UPDATE: I used the Claimyr service mentioned above and actually got through to an SSA representative! They confirmed they received my form and it's in processing. They said they've already flagged my account to stop the next payment, so I shouldn't receive anything on the 3rd. Now I just need to wait for the official letters about repayment. Such a relief! Thanks everyone for your help.

That's fantastic news about getting through to SSA and confirming they'll stop your next payment! Just wanted to add one more tip from my experience - when you receive the repayment letter, make sure to pay using the exact method they specify (usually a specific address for checks or online portal). I made the mistake of sending my repayment check to the wrong SSA office initially and it delayed my withdrawal completion by another month. Also, keep copies of everything - the cancelled check, money order receipt, or online payment confirmation. The whole process can feel overwhelming but you're handling it exactly right by staying on top of it!

wait i'm confused about something - does he have to wait til hes FRA to get the spousal benefit or can he get it as soon as you file???

Thanks everyone for all the helpful information! So it sounds like: 1) Yes, he can get some additional amount when I file, but it won't be a full 50% of my benefit 2) The amount will be reduced because he took early retirement 3) We need to specifically apply for this when I file for my benefits 4) Every situation is different, but we might see a few hundred dollars extra per month This really helps us with our retirement planning. I appreciate all the responses!

UPDATE: I called back this morning and specifically mentioned my international work history and previous marriage complicating my application. The second representative was much more helpful and said that while they're limiting in-person appointments, my situation does qualify. I have an appointment scheduled for next Thursday! Thanks everyone for your advice - especially the tip to specifically mention the complexity of my case rather than just asking for an in-person appointment generally.

Congratulations on getting your appointment! This is such a helpful thread - it really shows how important it is to be persistent and specific about why you need in-person service. For anyone else reading this who might be in a similar situation, it sounds like the key is to clearly explain the complexity of your case (international work history, multiple marriages, etc.) rather than just requesting an in-person appointment without context. The representatives need to understand why a phone call won't suffice for your particular situation. Good luck with your appointment next Thursday!

One last thing to add - when you file, you'll receive a letter confirming your benefit start month and estimated payment amount. Double-check that letter when it arrives to make sure the month is correct. If there's any error, contact SSA immediately to have it corrected. Much easier to fix it early than to try to get retroactive adjustments later.

Just wanted to add that I went through this exact same situation last year - my FRA birthday was on the 18th and I was worried about the same thing. The previous comments are absolutely correct - you'll select September as your benefit start month and receive the full month's benefit. The SSA online application is actually pretty straightforward once you get to it. One tip: when you're filling out the application, take your time and don't rush through it. I made a small error on a date field and had to call (which took forever) to get it corrected. Also, make sure you have all your documents ready beforehand - W-2s, tax returns, bank account info for direct deposit, etc. The whole process took me about 45 minutes to complete online. Good luck with your application!

IS THIS ONLY FOR RETIREMENT??? My grandson lives with me too but I'm on SSDI. Would he qualify for benefits now or do I have to wait till retirement age??

Great thread and so helpful to see Sofia's update! I'm in a similar situation with my 7-year-old granddaughter. One thing I want to add that might help others - when gathering proof of support, don't forget about medical expenses if you have the child on your health insurance. The SSA rep I spoke with said that counts as a significant form of support since healthcare costs for kids can be substantial. Also, if you're claiming the child as a dependent on your tax returns, bring those too - that's another piece of evidence showing you're providing the majority of their financial support.