UPDATE: I finally got through to SSA! The agent confirmed there was an error in my case. Apparently, they had me coded incorrectly in their system, which prevented the automatic recalculation at FRA. They're fixing it now and said I should receive the retroactive adjustment within 30-60 days. The agent said the back payment will be for all reduced benefits from June 2024 (my FRA month) through now. Thank you all for encouraging me to keep pushing on this!

Congratulations on getting this resolved! This is such a perfect example of why we all need to advocate for ourselves with SSA. A "coding error" that prevented automatic recalculation - that's exactly the kind of thing that could have gone on indefinitely if you hadn't pushed for answers. I hope when you get that retroactive payment it's a substantial amount that makes up for all the stress and time you spent trying to get through to them. Your persistence really paid off, and I'm sure your story will help other people in similar situations know they need to keep fighting for what they're owed!

That sounds much easier than I expected. I'll get all those documents together before I call. Thanks again for your help!

I'm so sorry for your loss, Sofia. Losing a spouse is incredibly difficult, and navigating these benefit rules while grieving can feel overwhelming. Based on what others have shared, it definitely sounds like applying is worth it even with the earnings test reduction. The fact that withheld benefits get credited back to you later at full retirement age means you're not permanently losing that money - just getting it later when you might need it even more. One thing I'd suggest is calling SSA early in the morning (like right when they open at 7am) to avoid some of the phone wait times, or try that Claimyr service Connor mentioned if you keep having trouble getting through. Having all your documents ready beforehand will make the actual application much smoother. The most important thing is that you have options here, and taking survivor benefits at 60 while working is definitely one of them. Even if the monthly amount seems small after reductions, every bit helps with those bills you mentioned. You've got this!

Update: I decided to apply online last night after reading everyone's advice. It took about 45 minutes total. The questions were pretty straightforward, though I did have to dig through some files for exact dates. I'll post again when I hear something from SSA. Thanks everyone for your help - I feel much less stressed now knowing I'm still within the timeframe!

Congratulations on getting your application submitted! That's a huge relief. I just wanted to add one more tip for anyone else in a similar situation - make sure to keep checking your my Social Security account regularly over the next few weeks. Sometimes they'll request additional documentation or clarification, and responding quickly can prevent delays. Also, if you don't hear anything within 2-3 weeks, don't hesitate to follow up. The squeaky wheel gets the grease, especially with government agencies. Best of luck with your January start date!

Thank you all SO much for your responses! I feel so much better now knowing the payment won't change. I've been losing sleep over this for weeks. I'll definitely set up that online account to double check everything, and might try that Claimyr service to get official confirmation. This community has been incredibly helpful - I really appreciate you all taking the time to share your experiences and knowledge!

I'm glad to see so many people sharing their positive experiences with this transition! As someone who works with seniors navigating Social Security, I can confirm what everyone has said - your SSDI benefit amount will remain exactly the same when it converts to retirement benefits at age 67. The conversion is truly just administrative. One small tip I'd add: keep an eye on your bank statements around your birthday month to make sure the direct deposit continues smoothly. While it should be seamless, it's always good to verify. Also, if you haven't already, consider signing up for electronic statements through your my Social Security account to reduce mail delays. Wishing you peace of mind as you approach this milestone!

one more thing - make sure u have ur marriage certificate! they made us bring original or certified copy, no photocopies allowed. was a whole extra trip to county office to get it

Welcome to the community! I just wanted to add that it might be worth contacting your local congressional representative's office as well. They often have staff who specialize in Social Security issues and can sometimes get faster responses from SSA than calling directly. My neighbor used this approach when she had issues with her disability claim and got much better service. They can also help clarify any confusing information you might receive. Given how many people will be affected by the GPO repeal, having an advocate might be really helpful in navigating the process once applications open in 2025.