I'm dealing with a very similar situation right now! I'm 66 and 8 months old, so almost at my FRA, and I've been researching this exact strategy. From everything I've read, you are absolutely correct that you should be able to file for widow's benefits while letting your own retirement grow until 70. One thing that might help when they call you back is to be very clear about the terminology. I've seen advice to say something like "I want to file an application that is restricted in scope to widow's benefits only" rather than just saying "restricted application" since that phrase sometimes confuses reps who think of the old spousal benefit restrictions. Also, if it helps, I found a reference in the Social Security Handbook (section 1724) that specifically talks about how you can choose to receive only one type of benefit when you're eligible for multiple types. The key is that you haven't filed for your own retirement yet. Don't let them discourage you - this is a legitimate strategy that can save you thousands of dollars over the years. I'm planning to use your experience as a learning opportunity for when I file in a few months!

I'm a newcomer here but had to chime in because I just went through this EXACT same ordeal! I'm 67 and filed my restricted application for widow's benefits three months ago, but only after being told "no" by THREE different SSA reps who clearly didn't understand the rules. What finally worked for me was calling and immediately saying: "I need to speak with someone who is familiar with restricted applications for survivor benefits under current Social Security law." When they tried to transfer me to a general rep, I politely insisted on speaking with a Technical Expert or supervisor. The key phrase that got results was: "I am eligible for both widow's benefits and my own retirement benefits, but I am filing an application restricted in scope to ONLY my widow's benefits. I am NOT applying for my retirement benefits at this time and understand my retirement benefit will continue to accrue delayed retirement credits until age 70." It's infuriating that so many reps don't know these rules, but don't give up! This strategy is 100% legal and can save you tens of thousands of dollars. Your previous survivor benefits from when your kids were minors have absolutely no bearing on this - I had the same situation and it was never even mentioned during my successful application. Stay persistent and don't let them discourage you from what you're legally entitled to!

I'm so sorry for your loss, Freya. Losing a spouse is devastating enough without having to navigate the SSA bureaucracy during such a difficult time. I'm glad you were able to make progress with that Claimyr service! For others reading this who might be in similar situations, I'd also recommend reaching out to local senior centers or Area Agencies on Aging - many have volunteers who are familiar with SSA processes and can help guide you through the paperwork or even accompany you to appointments. Some also have relationships with SSA offices that can help expedite things. Also, if anyone is caring for a deceased person's minor children, don't forget that survivor benefits may be available for dependent children too (up to age 18, or 19 if still in high school). The family maximum rules can be complex, but it's worth exploring if applicable. Wishing you all the best as you work through this process, Freya. Please do keep us updated!

I'm really sorry for your loss, Freya. What you're going through with SSA is unfortunately all too common these days. I went through a similar situation when my father passed last year, and the waiting times were absolutely brutal. A few additional tips that helped me: 1. If you haven't already, gather ALL your documents now - certified copy of death certificate, marriage certificate, birth certificates, your husband's W-2s or tax returns from the last 2 years, and bank statements. Having everything ready will speed things up once you do get your appointment. 2. Keep detailed records of every interaction - date, time, who you spoke with, reference numbers. SSA loses paperwork frequently and you may need to reference previous conversations. 3. Consider applying for any immediate assistance programs through your state while waiting for survivor benefits to kick in. Many states have emergency assistance for widows/widowers. 4. If you're really struggling financially, emphasize this when requesting expedited service - they do have procedures for "dire need" cases, though getting them to actually use those procedures can be challenging. The fact that you got through with Claimyr is fantastic news! Hoping the rest of your process goes smoothly and you get your benefits soon.

Grace, you're definitely not too late! I went through this exact same situation two years ago - also missed applying right at my FRA due to holiday chaos. The 6-month retroactive window that others mentioned is absolutely correct. I applied in February for January benefits and received my full January payment in March along with my February payment. The key is to apply online at ssa.gov as soon as possible and clearly specify January 2025 as your desired benefit start date. There's a specific question about this during the application process. Don't worry about the phone wait times - the online application is actually faster and you can save your progress if needed. You've got this!

As someone who works with seniors on benefits applications, I want to emphasize what others have said - you're absolutely fine! The 6-month retroactive window is standard policy, and mid-January is still very early. When you apply online at ssa.gov, there's a clear section where you select your desired benefit start date - just choose January 2025. One tip: have your tax returns from the last 2 years handy when you apply, as the system may ask about your earnings history. Also, once you submit the application, you'll get a receipt number - save that! It helps if you need to call later with questions. The whole process usually takes about 30-45 minutes online and is much more reliable than trying to get through on the phone right now.

Based on your situation, filing now appears to be a sound decision. The calculation your financial advisor provided is accurate - the breakeven period of 17 years for those 4 months of delay is quite long, especially considering the survivor benefit would replace your retirement benefit when your husband passes. One clarification regarding work: at your age (past FRA), there is no earnings limit at all. You could work full-time earning any amount with no reduction in benefits. The earnings limit only applies before FRA. For a complete analysis, you might also want to consider: 1. Tax implications - additional income could potentially push you into a higher tax bracket 2. Medicare premiums - higher income can affect IRMAA surcharges with a 2-year lag But in most cases, these factors wouldn't outweigh the benefit of claiming now rather than waiting those additional 4 months.

I went through this same decision process about 18 months ago! My situation was very similar - I was 67 with a husband already collecting his higher benefit, and I was torn between taking mine early or waiting for FRA. After running the numbers with three different sources (SSA calculator, AARP calculator, and a fee-only financial planner), they all pointed to the same conclusion your advisor gave you. The math is pretty straightforward when there's a significant survivor benefit waiting in the wings. What really helped me make the decision was realizing that Social Security isn't just about maximizing the total payout - it's about having reliable income when you need it. Those monthly payments started covering our grocery bills and gave us breathing room in our budget immediately. One practical tip: when you file, ask about having taxes withheld if you think you'll owe. You can choose 7%, 10%, 12%, or 22% withholding. It's easier than making quarterly estimated payments later. Also, if you haven't already, set up a my Social Security account online - makes tracking everything much simpler. You're making a smart, well-researched decision. Don't let decision paralysis cost you those monthly payments!

One thing to keep in mind is that SSA typically reviews earnings annually, not monthly. So if your mom claims early and works above the limit, she likely won't see immediate withholding - it usually happens the following year after they process her annual earnings report. This means she could receive several months of full benefits before any withholding occurs. Also, I'd suggest having her create a my.ssa.gov account if she hasn't already. She can view her earnings record, get benefit estimates, and track any changes to her account online. This makes it much easier to stay on top of everything and catch any errors early. The decision really comes down to her specific circumstances. If she's facing immediate financial hardship and the early benefits would prevent more serious consequences (like losing her home), then the permanent reduction might be an acceptable trade-off. Just make sure you're both prepared for the complexity of managing the earnings test if she continues working.

I'm also navigating this exact situation with my elderly parent! One thing our financial advisor mentioned that might be helpful: if your mom does claim early and later regrets it, she has a one-time option to withdraw her Social Security application within the first 12 months. She'd have to pay back all benefits received (without interest), but it would be like she never filed at all - wiping out the permanent reduction. This could serve as a "safety net" if her financial situation improves unexpectedly or if the earnings withholding creates more complications than anticipated. Obviously not ideal since she'd lose access to the money she already received, but it's good to know the option exists. Also, make sure she understands that only EARNED income counts toward the earnings limit - things like pension payments, 401k withdrawals, investment income, etc. don't affect her Social Security benefits at all. Sometimes people think ALL income counts when it's really just wages and self-employment earnings.