Thanks everyone for the helpful info! To summarize what I've learned: 1) Yes, I can withdraw within 12 months, 2) Need to use Form SSA-521, 3) Must repay ALL benefits including what others received on my record, 4) Only get one withdrawal in my lifetime, 5) No interest charged but must repay gross amount including any Medicare/tax withholdings. I'm going to think carefully about whether starting at 62 is right for me with this safety net, or if I should just wait longer from the beginning.

One thing I'd add that hasn't been mentioned - if you're still working when you claim at 62, be aware of the earnings test. In 2024, if you earn more than $22,320, they'll reduce your benefits by $1 for every $2 you earn above that limit. This continues until you reach FRA. So if your part-time business does take off, you might find your benefits reduced anyway due to the earnings limit, which could factor into your withdrawal decision. Just another consideration for your planning!

Great discussion everyone! As someone new to this community, I wanted to add that it's also worth checking if your state has any additional survivor benefits or programs that might complement Social Security. Some states offer property tax exemptions or other assistance for surviving spouses. Also, don't forget to update beneficiaries on all your accounts (401k, IRA, life insurance, etc.) as part of your planning - these aren't affected by Social Security rules but are crucial for comprehensive survivor planning. The strategy discussions here about timing different benefits are really eye-opening!

As a newcomer here, I want to echo what others have said about getting professional advice on this complex topic. One thing I learned when helping my aunt through this process is that Social Security has a specific order for how they process survivor applications - they'll actually backdate benefits to the month after death if you apply within certain timeframes, but there are strict deadlines. Also, if you're considering the strategy of taking your own benefit first then switching to survivor benefits later, make sure to get that plan in writing from SSA before implementing it, because different agents sometimes give conflicting advice. The rules are so intricate that even small timing differences can cost thousands over the years. Great question and really helpful responses from everyone!

I'm new to this community but wanted to share some insights that might help with your situation. As someone who has been researching DAC benefits for my own family planning, I've learned a few things that could be relevant. First, regarding your timing strategy - filing at 62 to get your son started on DAC benefits while planning for him to switch to your husband's higher benefit later is actually quite common and makes a lot of financial sense. The key thing to remember is that your son will need to go through the disability determination process regardless of which parent's record he ultimately receives benefits on, so getting that established early is crucial. One thing I haven't seen mentioned yet is considering whether your son might benefit from applying for a work incentive program through SSA, like Ticket to Work, once he's receiving DAC benefits. Even if he can't work at substantial gainful activity levels now, these programs can provide support services and allow him to try working while protecting his benefits. It might not be relevant immediately, but could be worth exploring down the road. Also, make sure to ask SSA about auxiliary benefits when you apply. Sometimes there are additional programs or support services available to DAC recipients that aren't automatically offered but can provide valuable resources for ongoing care and support. Your plan to start the process early and be proactive about documentation sounds very well thought out. The community here has given you excellent advice about medical documentation and timing - it sounds like you're on the right track!

As a newcomer to this community, I wanted to share something that might help with your DAC planning that I recently learned about. When you're gathering medical documentation for your son's DAC application, consider requesting a "Medical Source Statement" or "Residual Functional Capacity" evaluation from his treating physicians. These are specific forms that SSA uses to evaluate disability claims, and having them completed by doctors who know your son well can be much more effective than just submitting general medical records. Also, I noticed you mentioned your son participated in vocational programs through school but couldn't function in workplace environments. Make sure to get documentation from those programs about his specific challenges and limitations. Sometimes vocational rehabilitation records carry significant weight because they directly address work capacity issues that SSA evaluates. One other consideration for your timeline - since you mentioned your husband is adamant about not retiring before his FRA, you might want to discuss with him how your family's overall financial picture could actually improve if he filed slightly earlier to maximize your son's DAC benefits. When you factor in the years of additional benefits your son would receive, plus potential Medicare eligibility sooner, it could offset the reduction in your husband's benefit amount. Your strategy of filing at 62 to get benefits started while planning for the switch later really does seem like the most practical approach. The community here has given you excellent guidance about documentation and timing!

I'm going through the exact same situation right now with my family benefits! My husband's PIA is $2,650 and we're seeing similar reductions for our 10-year-old son and me. I called SSA three times and finally got someone who explained that the family maximum is calculated using those bend points others mentioned, but what really helped was asking for a written explanation of the calculation. One thing I learned is that you can also check if there were any errors in your earnings record that might have affected your PIA calculation. Sometimes correcting even small discrepancies can bump up your PIA enough to increase the family maximum threshold. It's worth requesting your full earnings history if you haven't already. Also, I discovered that some online calculators specifically designed for family benefits are more accurate than the basic SSA ones. The AARP Social Security calculator and the one from Social Security Solutions both factor in family maximums better than most others I tried. The timing issue about benefits ending when kids turn 16 vs 18/19 really caught me off guard too. We're already starting to save extra now to prepare for that gap period when I'll lose benefits but won't be old enough for my own retirement yet.

I'm dealing with this exact same issue right now! My husband's PIA is $2,920 and we just got our award letters showing our 12-year-old daughter and I are each getting $798 monthly instead of the roughly $1,460 each we were expecting (50% of his PIA). It's such a shock when you've been planning your finances around those theoretical amounts for years. What's been most frustrating is how poorly this is communicated upfront. All the SSA materials talk about "up to 50%" but don't really emphasize how often the family maximum kicks in to reduce those amounts significantly. I wish they had better tools on their website to estimate actual family benefits instead of just the theoretical maximums. Has anyone found a good financial planner who really understands these Social Security family benefit calculations? We're trying to figure out how to adjust our retirement timeline given these lower-than-expected amounts, especially knowing that my benefits will stop when our daughter turns 16 but won't resume until I'm 62 (if we take early retirement) or my full retirement age.

Many online calculators provide reasonable estimates but lack the nuance of your complete earnings history. Some financial advisors offer more comprehensive analysis. Be wary of

I went through this exact decision two years ago and ended up waiting until my FRA at 67. Here's what helped me decide: I calculated the "break-even" point - how long I'd need to live for the higher monthly payments to make up for the two years of missed benefits. For my situation, it was around age 79. Since I'm in good health and women typically live longer, waiting made sense. Another factor was that my part-time work income would have made a portion of my early benefits taxable anyway. I'd definitely recommend getting personalized calculations from SSA rather than relying on online estimates - your specific earnings history makes a huge difference in these scenarios.