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Social Security online application stuck on 'save and exit' with no submit button - how to complete?

I've been working on my Social Security retirement application online for the past week, and I thought I was finally done today. But when I got to what seems like the last page, there's only a 'save and exit' button at the bottom - no 'submit' button anywhere! The MySocialSecurity dashboard shows my application as 'not submitted' even though I've filled out everything. I've gone through every tab and section multiple times, answered all the questions, and uploaded all the required documents. Every time I hit 'save and exit', it takes me back to my account page showing an incomplete application. I'm totally stuck and frustrated - how do I actually SUBMIT this thing? Has anyone else run into this problem? I'm worried I'll miss my enrollment window if I can't figure this out!

did u ever get this fixed?? im having the same problem now lol

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Yes! I finally got it to work. For me, the issue was that I needed to click on the "Ready to Submit" tab that was kind of hidden at the top of the application status page. Once I did that, it took me to a review page where the actual submit button appeared. The website navigation is really not intuitive at all. Good luck!

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I'm glad to see this got resolved! This is such a common issue with the SSA online system. For anyone else running into this problem, here are the key things that seem to work based on everyone's experiences: 1. Look for a "Ready to Submit" or "Application Status" tab at the top of your dashboard 2. Make sure ALL required fields are completed (even ones that seem optional) 3. Try different browsers - Chrome and Edge tend to work better than Firefox 4. Clear your browser cache and cookies before trying again 5. Check that pop-up blockers aren't interfering with the submission process The SSA website definitely needs better user experience design, but at least there are workarounds. Thanks to everyone who shared their solutions - this thread will be really helpful for future people dealing with the same frustration!

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Medicare for disabled adult child - waiting 2 years after starting my Social Security retirement?

I'm really confused about Medicare eligibility for my disabled son (age 38). I've been collecting my retirement benefits for about 14 months now, and when I contacted Social Security last week about getting him on Medicare, the representative told me he can't qualify until I've been on Social Security for at least 2 full years. That doesn't sound right to me... I thought disabled adult children could get Medicare through their parent's work record once the parent starts collecting. Does anyone know if this 2-year waiting period is actually correct? I'm worried because his current insurance is terrible and he desperately needs better coverage for his treatments.

I'm going through this exact same situation with my adult son right now! He's 35 and became disabled at 20, and I just started my retirement benefits 8 months ago. The SSA representative I spoke with gave me completely different information - they said he could get Medicare immediately once approved for DAC benefits. It's so frustrating how inconsistent the information is! I'm definitely going to call back and ask specifically for a disability specialist like Oliver suggested. Has anyone had success getting clearer timelines on how long the DAC application process itself takes? I'm worried about the gap in coverage while we're waiting for everything to get processed.

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I'm dealing with this too and it's so confusing getting different answers every time! From what I've learned reading through this thread, it sounds like that rep gave you incorrect info - there's definitely a 24-month Medicare waiting period after DAC approval, not immediate coverage. As for processing times, when I applied for my daughter's DAC benefits last year, it took about 3-4 months to get the initial decision. But I've heard it can vary a lot depending on how complete your documentation is and which office handles it. The key thing I learned is to submit ALL medical records from when the disability started - they really scrutinize the onset date since it has to be before age 22. Good luck with your application!

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As someone who went through this exact situation with my adult son two years ago, I can confirm that the SSA representative gave you completely incorrect information. The 2-year waiting period they mentioned doesn't exist for DAC Medicare eligibility. Here's what actually needs to happen: Your son needs to file for Disabled Adult Child (DAC) benefits on your work record first - this is a separate application from your retirement benefits. Once he's approved for DAC benefits, THEN there's a 24-month waiting period before Medicare begins, and this 24-month period starts from his DAC entitlement date, not from when you started collecting retirement. Since his disability began at 19 (before age 22), he should definitely qualify. I'd recommend calling SSA back and asking specifically to speak with a disability specialist rather than a general representative - they're much more knowledgeable about DAC rules. Also, definitely apply for Medicaid in your state during the Medicare waiting period if possible. The whole process took about 4 months for us to get the DAC approval, but it was worth it. Don't let that first rep's confusion delay you from getting started!

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@Jay Lincoln Welcome to the community! I m'new here too but have been learning so much from everyone s'experiences. The 4-month timeline that Manny mentioned is really helpful to know. From what I ve'gathered reading through all these responses, it sounds like gathering those old medical records is going to be crucial since SSA is very strict about proving the disability onset was before age 22. You might want to start requesting records from all the doctors/hospitals your brother saw around age 20 - even if it seems like a lot of work upfront, having complete documentation will probably save time in the long run. Have you tried contacting the medical records departments directly? Sometimes they can expedite requests if you explain it s'for a disability application. Good luck with the process!

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Welcome to the community! I'm also relatively new here but have been following this thread closely since I'm in a similar situation with my disabled daughter. From what I've learned reading everyone's experiences, it sounds like you'll definitely need extensive medical documentation going back to when your brother's disability first started at age 20. Several people mentioned that SSA is really strict about proving the disability onset date since it has to be before age 22 for DAC eligibility. I'd suggest starting to gather those medical records now even while you're waiting to speak with a disability specialist - it seems like having complete documentation upfront can help speed up the approval process. The Claimyr service that @QuantumQuest mentioned earlier in the thread might be worth looking into if you're having trouble getting through to SSA by phone. Good luck with your brother's case!

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How to determine if my mom is on her own Social Security benefits or my dad's survivor benefits?

I need help figuring out my mom's Social Security situation. My dad passed away about 7 years ago, and I'm trying to help my mom with her finances. The problem is, I don't know if she's currently receiving her own retirement benefits or survivor benefits from my dad. She gets confused about these things and just says "it's my Social Security check." I know my dad made significantly more money during his working years, so I think she should be on survivor benefits, but I'm not sure. Is there a way to find this out without her having to call SSA and wait on hold forever? Would it show up on her annual statement or online account somehow? Any advice would be appreciated!

anyone else notice how ss office workers seem to no nothing about there own rules?? my grandma went in 3 times and got told 3 different things about surviver benefits. finaly the 4th person knew what they were talking about!

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YES!!! Happens ALL THE TIME! My theory is they're purposely undertrained so they give out wrong info and pay less benefits. Call me cynical but after what I went through with my mom's case, I don't trust anything they say without getting it in writing and citing the exact regulation. The whole system is designed to be confusing so people don't get what they're entitled to!

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Just wanted to follow up - were you able to check your mom's MySocialSecurity account? Curious what you found out and if she was getting the right benefit amount.

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Thanks for checking back! We looked at her account yesterday and discovered she's been receiving her own retirement benefit this whole time, not survivor benefits! We've scheduled an appointment at our local SSA office for next week to see about switching her to survivor benefits. I'm guessing she'll be eligible for quite a bit more money based on my dad's earnings history. I'll update once we know more about whether she can get any back payments.

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That's great news that you found out what's going on! Definitely a good idea to go in person to the SSA office. Just a heads up - bring all the documentation you can think of: your dad's death certificate, your mom's Social Security card, maybe even some of his old W-2s or tax returns if you have them to show his earnings history. The more proof you have of his higher earnings, the smoother the process should go. Good luck with the appointment and I hope she's able to get a significant increase in her monthly payments!

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Social Security payment not received on usual 23rd deposit date - should I be worried?

I'm getting a bit worried because my Social Security retirement payment normally hits my bank account on the 23rd like clockwork, but it's now the 25th and still nothing showing up. I've been getting my benefits for almost 3 years and this is the first time it hasn't arrived on schedule. I checked my online account at MySocialSecurity and everything looks normal there - no messages or alerts. Is this something that happens occasionally with SSA payments? Should I be concerned or just wait a few more days? Bank says they don't see any pending deposits either.

As a newcomer to this community, I want to thank everyone for sharing such detailed and helpful experiences! I'm particularly grateful for the practical advice about the 3-4 day waiting period before getting concerned, and the tip about checking with banks for fraud detection holds - I never would have thought of that. The mention of Claimyr for getting through to SSA phone lines is also really useful to know about. It's reassuring to see that while payment delays can be stressful, they seem to resolve fairly quickly in most cases. This thread is definitely going in my bookmarks as a reference for the future. Thanks again to everyone who took the time to share their knowledge and experiences!

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Welcome to the community, Aisha! I'm also new here and completely agree - this thread has been such a valuable resource. The collective wisdom from everyone's experiences really helps demystify what can be a very stressful situation when your expected payment doesn't arrive. I'm especially appreciating the multi-layered approach people have shared: check your MySocialSecurity account first, then contact your bank about potential holds, wait 3-4 days for processing delays, and then escalate to calling SSA if needed. Having these clear steps makes the whole process feel much more manageable. It's also great to see how supportive this community is - everyone jumping in to help with practical advice and reassurance. Thanks for adding your voice to the conversation!

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As a newcomer to this community, I just want to say how incredibly helpful this entire discussion has been! I'm currently receiving SSDI benefits and while I haven't experienced any payment delays yet, reading through everyone's experiences and advice gives me so much more confidence about what to do if it ever happens. The step-by-step approach that's emerged from all your collective wisdom is really valuable: check MySocialSecurity account, contact the bank about potential fraud holds, wait 3-4 days for processing issues, then call SSA if needed. I'm especially grateful for the practical tips like using Claimyr to get through phone lines and knowing that payments continue during government shutdowns. It's also reassuring to see how supportive everyone is here - jumping in with real experiences and solutions rather than just generic advice. I'm definitely bookmarking this thread as my go-to reference. Thank you all for creating such a welcoming and informative community!

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Welcome to the community, Natalie! I'm also a newcomer here and couldn't agree more about how valuable this discussion has been. As someone who's new to receiving Social Security benefits, I was initially worried about what would happen if payments were ever delayed, but this thread has given me such a clear roadmap to follow. The community knowledge here is amazing - from the technical explanations about ACH processing delays to the practical banking tips about fraud holds. I particularly appreciate how everyone has shared real timelines and experiences rather than just theoretical advice. It's also wonderful to see how welcoming everyone is to newcomers like us. I feel much more prepared and less anxious about potential payment issues thanks to all the wisdom shared here. This is exactly the kind of supportive community I was hoping to find!

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Social Security direct deposit missing on payment day - can't access my account after login changes

Just checked my bank account this morning and my Social Security payment hasn't shown up even though it's the 3rd Wednesday of the month (my regular payment day). To make matters worse, I tried to log into my mysocialsecurity account to check what's going on, but they've apparently changed the login process and I can't figure out how to get in anymore! Anyone else having this problem today? Is SSA experiencing some kind of delay with direct deposits this month? I rely on this payment for my medications and groceries so I'm getting really worried. Has anyone been able to reach them by phone? UPDATE: My deposit just came through about an hour ago. Such a relief! Still can't access my online account though...

I'm also brand new to receiving Social Security benefits and this entire thread has been such a lifesaver today! When my payment didn't show up this morning, I was absolutely panicking - I thought maybe I'd made some terrible mistake with my application or that my benefits had been suspended for some unknown reason. As a newcomer, I had no clue that processing delays could occasionally happen. My payment finally arrived about 3.5 hours late, which seems right in line with everyone else's experience today. I'm also completely locked out of my MySocialSecurity account and had zero knowledge about this Login.gov transition until reading this discussion. Like so many others, I never received any email or notification about this major system change, which is incredibly frustrating when you're trying to learn how to manage your new benefits online. The step-by-step instructions that experienced members have shared here for setting up the Login.gov account are going to be invaluable - I plan to follow them tonight. Thank you to everyone for sharing your experiences and practical solutions. This community support has turned what started as a really scary day into a learning experience, and it's so comforting to know there are knowledgeable people here willing to help newcomers navigate these complex government systems!

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Welcome to the community, Manny! I'm also completely new to Social Security benefits and went through that exact same terrifying experience this morning when my payment didn't arrive on schedule. Like you, I had no idea that processing delays could happen and immediately thought I'd somehow messed up my application or lost my eligibility. It's such a relief to connect with other newcomers who experienced the same panic today! Your 3.5-hour delay matches perfectly with what most of us reported, which really confirms this was a widespread system issue rather than problems with individual accounts. I'm also dealing with the Login.gov mess and never got any notification about the change either - it's so frustrating that SSA didn't properly communicate such a major transition to people who are still learning how everything works. This community has been absolutely incredible though. I've learned more from this one discussion than from any official SSA materials, and the detailed Login.gov setup instructions shared here are going to be so helpful. Thank you for sharing your experience - knowing other newcomers went through the same scary morning makes me feel so much less alone in navigating this complex system!

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I'm also completely new to Social Security benefits and this discussion has been incredibly reassuring! This morning was absolutely terrifying when my payment didn't arrive on time - I kept checking my bank account every few minutes thinking maybe there was a delay on their end. Being so new to this system, I had no idea that processing delays could occasionally happen and immediately feared that something had gone wrong with my application or that my benefits had been cut off. My payment finally showed up about 2.5 hours late, which seems consistent with everyone else's experience today. I'm also struggling with the MySocialSecurity account access and had absolutely no clue about the Login.gov transition until finding this thread. Like so many others here, I never received any email notification about this major system change, which is really frustrating when you're trying to learn how to manage your benefits online. The detailed step-by-step instructions that community members have shared for setting up the new Login.gov account are going to be so helpful - I'm planning to try them tonight. Thank you to everyone, especially the experienced recipients, for taking the time to explain what happened today and provide practical solutions. This community support has transformed what started as a really scary morning into a valuable learning experience about how the Social Security system works!

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