I work at a Social Security field office and can tell you that situations like your husband's are more common than you might think. The fact that you have the court order for the name change puts you in a good position. A few things that might help: 1. When filling out the application, be very specific about the dates - when he started using the stepfather's name and when the legal change occurred in 2008. 2. In the remarks section, briefly explain that he used an assumed name (stepfather's surname) from childhood until getting a court-ordered name change in 2008, and that all his earnings are properly recorded under the SSN. 3. Since his entire earnings record is already under the assumed name until 2008, and you've verified it's accurate on the SSA website, that actually works in your favor - it shows continuity. For your adoption situation - yes, list your pre-adoption name. Even with an amended birth certificate, there may still be early records under your original name depending on when you got your SSN. The key is documentation and clear explanation. Your husband's case sounds straightforward with the court order you have.

I went through something very similar with my mother's Social Security application last year. She had used her stepfather's surname informally for decades before getting a legal name change in the 1990s. The process was actually smoother than we expected once we had all the right documentation organized. Here's what worked for us: We created a simple timeline document that we attached to her application showing when she used which name, along with copies of her birth certificate and the court order. The SSA representative we worked with said this kind of proactive documentation really helps speed things up. One thing I'd add - if your husband has any old employment records or tax documents from before 2008 showing the stepfather's name, those can be helpful backup documentation too, though not strictly necessary since his earnings record is already accurate. The whole process took about the same time as a regular application. Good luck with everything!

I'm in exactly the same situation! Turned 70 in September 2024 and have been waiting for my DRCs since February. My FRA benefit amount puts me in that higher tier that @Aisha Abdullah mentioned, so I guess I'm stuck waiting until April. It's really frustrating that they don't communicate these delays better - I've been checking my MySocialSecurity account daily wondering if something went wrong with my application. At least now I know it's a widespread issue and not just me. Thanks everyone for sharing your experiences, it really helps to know what to expect!

I'm having the exact same issue! Turned 70 in December and was expecting my DRCs to show up in February. My benefit amount is around $2,900 at FRA, so based on what @Aisha Abdullah shared, I'm definitely in that final batch waiting until April. It's so frustrating that SSA doesn't send out any kind of notice about these delays - I've been panicking thinking I missed some paperwork or deadline. Thank you all for sharing your experiences, especially the detailed explanations from folks who clearly know the system. It's such a relief to know this is happening to thousands of people and not just me! I'm going to stop calling and just wait it out until April. Really appreciate this community for helping me understand what's going on.

has your husband looked into Extra Help for his Medicare costs? with his kidney disease and low income he might qualify. they could cover his premiums and maybe even the copays for his meds. my mom got on that program last year and it saved her over $200/month!

I'm so sorry to hear about your husband's health struggles. As someone who works in benefits advocacy, I wanted to add a few things that might help your situation: 1. **Medicare Secondary Payer for ESRD**: Since your husband has kidney disease and you're still working with employer insurance, make sure Medicare is coordinating properly with your work coverage. This could reduce some out-of-pocket costs. 2. **State Kidney Programs**: Many states have kidney disease programs that provide additional financial assistance for dialysis patients. Contact your state's health department to see what's available. 3. **Medicaid Spend-Down**: Even though his income might be slightly above Medicaid limits, some states have "spend-down" programs where high medical expenses can qualify someone for Medicaid coverage of costs that Medicare doesn't cover. 4. **Contact your local Area Agency on Aging**: They often have benefits counselors who can do a complete review of all programs he might qualify for - sometimes there are programs people don't even know exist. The spousal benefits question is complex, but don't overlook these other potential sources of help while you're deciding on the Social Security strategy. Sometimes combining multiple smaller programs can provide significant relief.

As someone who's been through this process, I can't emphasize enough how important it is to be proactive about reporting. I made the mistake of waiting once and ended up owing back nearly $5,000 in benefits. What made it worse was that I had spent that money on medical bills, so when SSA demanded it back, I was in a real financial bind. The good news is that when you report ahead of time, they can usually adjust your monthly benefit amount to account for the expected overage, which spreads the reduction over several months rather than hitting you with a lump sum demand later. Also, don't forget that the earnings limit only applies until you reach full retirement age - after that, you can earn as much as you want without any benefit reduction.

Just wanted to add my experience as another data point - I was in a similar situation about two years ago when I started doing some freelance work while collecting early retirement benefits. I was nervous about calling SSA because I'd heard horror stories about long wait times, but I finally got through and reported my expected earnings that would put me about $6,000 over the limit. The representative was actually very helpful and explained that they would reduce my monthly benefit by about $200 to account for the overage, which was much more manageable than having to pay back a lump sum later. The adjustment took about 6 weeks to show up in my payments, but they sent me a letter explaining the new amount and why it changed. Definitely worth the hassle of getting through to them - peace of mind is invaluable when dealing with government benefits!

This is such a stressful situation but you're getting great advice here! I wanted to add that when my disabled son transitioned from SSI to DAC benefits on my husband's record, we discovered a few things that might help you prepare: 1. The interview will likely take 45-60 minutes, so block out plenty of time 2. They'll ask detailed questions about her daily living activities and work capacity, even though she's already been approved for SSI 3. Have her Social Security card, birth certificate, and current benefit letter handy 4. Write down questions beforehand because it's easy to forget important things during the call The transition ended up being worth it financially for us - my son went from $914/month SSI to $1,247/month on DAC benefits. The temporary Medicaid gap was stressful but we got it sorted out. Don't let the bureaucracy overwhelm you - advocate for your daughter and keep pushing for clear answers!

I'm going through almost the exact same situation right now! My husband is 63 and just filed for his Social Security, and we have a 27-year-old disabled son who's been on SSI since he was 19. We got the same letter and phone call from SSA about scheduling an interview. From what I've learned talking to our local SSA office, this is actually a good thing - they're checking if your daughter qualifies for higher benefits on your husband's work record. The interview is just to verify her disability status continues and to gather information for the benefit calculation. One thing that really helped me prepare was calling our daughter's current doctors ahead of time to let them know SSA might be contacting them. Some medical offices take forever to respond to SSA requests, so giving them a heads up can speed things up. Also, if you have any recent medical records or evaluations, have copies ready to fax if they ask. The waiting is nerve-wracking, but from everything I've read here and been told by SSA, this usually works out in the disabled adult child's favor financially. Hang in there - you're doing everything right by asking questions and preparing ahead of time!