anyone know if theres a earnings limit for survivor benefits? i heard somewhere you can only make like $19,000 a year or they take back some of your ss?? is that true or just for regular retirement

Thank you everyone for all the helpful responses! I've scheduled an appointment for next week using that Claimyr service (which worked amazingly well - took less than 10 minutes to get through to a real person). The agent I spoke with confirmed I should apply now for March benefits and gave me a list of documents to bring. She also explained the earnings limit since I still work part-time. I really appreciate all your advice and support!

To answer your question about notifications - your sister should: 1. Sign up for email updates from advocacy groups like the National Active and Retired Federal Employees Association (NARFE) or the National Education Association (NEA) who track this legislation closely 2. Set up alerts on congress.gov for the specific bill numbers (though these change each session) 3. Follow her congressional representatives on social media as they'll likely announce when it passes If her question is specifically about applying for benefits should the law change, she should create a my Social Security account online where SSA posts important notices and updates.

I'm in a similar boat as your sister! I retired from teaching last year after 38 years and my husband passed in 2023. The GPO wiped out my entire survivor benefit because my pension is $3,900/month. It's so frustrating because we paid into Social Security for years before I became a teacher, and my husband paid in his whole working life. I've been following the Fairness Act closely and reached out to both my senators' offices last month. One staffer told me they expect movement on it this spring, but who knows. I'm trying not to get my hopes up after being disappointed so many times before. Your sister should definitely prepare all her paperwork now like others suggested. I have everything ready in a folder - marriage certificate, death certificate, pension documentation, and my husband's Social Security statement. If this thing ever passes, I want to be first in line to apply!

While your father's retirement benefits will be suspended during incarceration, it's important to know that some programs like SSI have different rules than regular Social Security retirement. With SSI, benefits can be suspended for up to 12 months before termination, but with traditional retirement benefits, they're just suspended and can be reinstated after release regardless of how long the incarceration lasts. Make sure you're applying for reinstatement as soon as possible after release. Also, if your father was receiving any other benefits like food stamps, housing assistance, etc., those all have different rules during incarceration. Each program requires separate notification for reinstatement.

Thanks everyone for the helpful responses. I feel much better prepared now. To summarize: his benefits will be suspended (not terminated), we need to get them reinstated right after release with proper documentation, and I should plan for 2-3 weeks without income after his release while SSA processes everything. I should also figure out how to handle his Medicare premiums while he's incarcerated. I'm going to look into getting power of attorney so I can help manage all this while he's inside.

Thanks everyone for all the helpful information! I think I understand how it works now: 1. The earnings limit applies from when I claim at 63 until I reach my FRA at 67 2. Only wages count, not other income like investments or rentals 3. If I go over the limit, they'll withhold some benefits 4. When I reach FRA, I'll get credit for those withheld benefits 5. After FRA, I can earn unlimited income with no penalty I'm going to carefully plan my work hours to stay under the limit for those 4 years. Really appreciate all the advice!

One thing I'd add that might help with planning - you can actually report your estimated earnings to SSA in advance using Form SSA-723 or by calling them. This way they can withhold benefits gradually throughout the year instead of stopping payments all at once after you file your tax return. I learned this after my first year of early retirement when I got hit with a surprise 4-month suspension. Now I submit my earnings estimate in January and they adjust my monthly payments accordingly. It's much easier to budget when you know exactly what you'll receive each month rather than getting surprised later. Also, keep detailed records of your earnings throughout the year - paystubs, work schedules, etc. If there are any discrepancies, having documentation makes resolving issues with SSA much smoother.

Thank you everyone for all this helpful information! I think I've decided to wait until at least 65 to claim benefits, for several reasons: 1. The earnings test would reduce my benefits significantly if I claim at 62 while still working part-time 2. The 29% higher monthly amount ($510 more per month) will add up substantially over time 3. The survivor benefit consideration for my wife is important - I want to make sure she's well taken care of 4. My family history suggests longevity, so the break-even point of 75-76 likely makes waiting worthwhile I'm going to try to speak with SSA directly to get personalized calculations before making the final decision. Thanks again for all your insights!

Smart decision, Mason! You've really thought this through carefully. One additional tip for when you call SSA - ask them to run scenarios showing your cumulative lifetime benefits under different claiming strategies. They can model what happens if you live to 80, 85, 90, etc. This really helps visualize the long-term impact. Also, since you're planning to work until 65 anyway, you might want to check if any of those earnings could increase your benefit calculation. Social Security uses your highest 35 years of earnings, so if you're earning more now than in some earlier years, those extra work years could actually boost your Primary Insurance Amount. The survivor benefit angle you mentioned is crucial - many couples overlook this. Your wife could potentially receive benefits for 20+ years after you're gone, so maximizing that amount protects her financial security for decades. Sounds like you've got a solid plan! The fact that you're thinking this through now rather than just taking the money and running shows you're approaching this strategically.