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wait i just realized something - if ur ex passed away recently shouldn't you be getting more money not less? my aunt got survivor benefits and it was way more than her own SS check
This is a good point, but it depends on several factors. Since the original poster is taking survivor benefits before FRA, they'll be reduced. At their current age, they'd receive approximately 79-82% of the deceased ex-spouse's full benefit. Also, if their own retirement benefit is higher than the reduced survivor benefit, they won't see an increase. Additionally, if they were receiving retirement benefits early and switch to reduced survivor benefits, there's a separate calculation called the RIB-LIM that might further affect the amount. This is definitely something they should clarify with SSA.
I'm so sorry you're dealing with this stressful situation! As someone new to Social Security, this thread has been really eye-opening about how complex these overpayment situations can be. From what everyone is saying, it sounds like you have several options to explore. The suggestion about Form SSA-634 to request a lower recovery rate seems particularly promising, especially since you can demonstrate financial hardship. I also think the idea of requesting a temporary reduction until your FRA next year is brilliant - that shows you're willing to work with them while acknowledging your current financial constraints. One thing that struck me from reading all these responses is how important it is to get everything documented in writing going forward. It seems like verbal agreements with SSA aren't reliable, unfortunately. I hope you're able to get this resolved quickly and get back to the $145 amount you originally agreed to. Please keep us posted on how it goes - your experience could really help others who might face similar situations!
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Just wanted to share my experience as someone who's been receiving Social Security for over 10 years - the early payment system for holidays works like clockwork. I've never had a single instance where my payment was delayed because of a holiday. December 24th is definitely when you'll see your money! One thing I've learned is to set up text or email alerts with your bank so you get notified the moment the deposit hits your account. Takes away all the anxiety of checking and rechecking. Most banks offer this service for free and it's been a lifesaver for me during holiday periods when I'm worried about timing.
This is such great practical advice! I never thought about setting up bank alerts for deposits. That would definitely help with the peace of mind, especially during holidays when everything feels uncertain. I'm going to call my bank tomorrow and set this up. Thanks for sharing your experience - it's really reassuring to hear from someone who's been through this many times successfully!
I'm new to receiving Social Security and this thread has been incredibly helpful! I was panicking about the same thing since my first payment is scheduled for December 25th. Reading everyone's experiences about getting paid early on the 24th instead of late has put my mind at ease. It's reassuring to know that SSA has a consistent policy for this and that so many people have had positive experiences with holiday payment timing. Thank you all for sharing your knowledge - this community is such a valuable resource for navigating these situations!
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I'm really glad I found this discussion! I'm also new to receiving SS benefits and experienced the exact same thing - got an early deposit last week that was labeled strangely in my bank account. I was so worried I'd have to pay it back or that my regular payment wouldn't come! Reading through everyone's experiences here has been incredibly helpful and reassuring. It sounds like this is just standard procedure for holiday adjustments, which makes sense but I wish they'd communicate it better to new beneficiaries. I'm definitely going to set up that MySocialSecurity account and the text alerts that people mentioned. Thanks to everyone for sharing their knowledge - this community is a lifesaver for those of us still learning how the system works!
I'm in the exact same boat as you! Just started receiving benefits last month and got that early deposit with the confusing bank label. I was convinced something had gone wrong and I'd somehow have to repay it or face issues next month. This thread has been such a relief - it's amazing how much stress these communication gaps cause for new beneficiaries like us. I had no clue about the MySocialSecurity account features either, especially those text alerts. Just signed up and feel so much more prepared now. It's really frustrating that SSA doesn't do a better job explaining these routine schedule changes to newcomers, but I'm grateful for communities like this where we can help each other navigate the system!
I'm experiencing the exact same thing! Just received my third SS payment ever and it came early with that confusing "one-time payment" label. As a new beneficiary, this was really nerve-wracking until I read through everyone's explanations here. It's such a relief to know this is normal for holiday schedule adjustments! I really appreciate everyone sharing their experiences and tips about the MySocialSecurity account - I had no idea about the text alert feature. It's frustrating that SSA doesn't proactively explain these routine changes to new recipients, but this community discussion has been incredibly helpful. Now I know not to panic when this happens again and I'll be setting up those notifications right away. Thanks to everyone for making this less stressful for those of us still learning the ropes!
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One thing I haven't seen mentioned yet is that you should also be aware of how bonuses, vacation pay, or sick pay might be handled if any of that comes into play with your December work. Sometimes these payments follow different timing rules than regular wages. Also, if you're planning to work similar extra shifts in the future, it might be worth asking your employer if they can adjust the pay period cutoff dates to help you manage your earnings limits more predictably. Some employers are willing to work with employees on Social Security to help with timing issues like this.
This is such a helpful point about bonuses and vacation pay! I'm fairly new to dealing with Social Security and hadn't even considered how different types of pay might be handled. My employer does sometimes give year-end bonuses, so I should definitely ask about that timing too. The idea of talking to them about adjusting pay period cutoffs is brilliant - I never would have thought employers might be willing to help with that kind of thing. It makes sense though, especially if it helps employees avoid benefit reductions. Thanks for sharing this insight!
I'm dealing with a similar situation but with a twist - I'm 64 and will turn 65 next April. My employer offers holiday pay for working Christmas and New Year's, but those premium payments don't come until mid-January. Since I'll still be under my FRA, I assume the same "when paid" rule applies, meaning that holiday premium would count toward 2025 earnings even though the work happens in 2024. Has anyone dealt with holiday premium pay timing before? I want to make sure I understand this correctly before I commit to working those holidays.
Dylan Wright
also just wanna say the whole $2000 limit is ridiculous in 2025!!! how is anyone supposed to save anything with that stupid rule??? cant even have emergency savings without losing benefits smh
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Dmitry Popov
•PREACH!!! The $2000 limit hasn't changed since the 1980s!!! Total garbage rule that keeps disabled people in poverty forever!!! Even a basic emergency fund would put you over the limit. Makes me so angry!!!
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Ava Garcia
I'm new to this community but wanted to share what I learned when I had a similar situation last year. I received a $1,800 class action settlement and was terrified about losing my SSI benefits. After doing some research and talking to a benefits counselor, I found out there are actually several options beyond just the basic "spend down" rule that others have mentioned: 1. **Irrevocable burial/funeral trusts** (as many have mentioned) - completely exempt from resource limits 2. **ABLE accounts** - if you became disabled before age 26, you can put up to $18,000/year into these special savings accounts that don't count toward SSI limits 3. **Plan to Achieve Self-Support (PASS)** - even for smaller amounts, you might be able to use this to set aside money for work-related goals The burial trust option sounds perfect for your situation since the money originally came from a pre-need plan anyway. Just make sure it's set up as an irrevocable trust specifically for burial/funeral expenses. Also, definitely report it within the 10-day window - that's mandatory regardless of which option you choose. The SSA takes unreported resources very seriously and will eventually find out through data matching with banks and other agencies. Good luck! The system is complicated but there are legitimate ways to handle this without losing your benefits.
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Evelyn Rivera
•This is really helpful information! I had no idea about ABLE accounts - unfortunately I became disabled after 26 so that won't work for me, but the burial trust option keeps sounding like the best solution. Do you know if there are specific requirements for how the trust needs to be set up to qualify as exempt? I want to make sure I do this right the first time.
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