I've been through a similar situation and wanted to share some practical tips that helped me prepare for when my daughter's benefits ended. First, create a written timeline now - mark your calendar for when your son turns 17.5 (to watch for that school status form), his 18th birthday, and his expected graduation date. Second, start reaching out to SSA about 4-5 months before he turns 18 to confirm the exact termination date and get any necessary forms. Third, if you're planning to modify child support when benefits end, consider consulting with a family law attorney about 6 months before the benefits stop - they can help you understand your state's specific requirements and timeline for filing. Finally, document everything - keep copies of all SSA correspondence, your annual payee reports, and records of how the benefits were used. This documentation will be helpful both for SSA and for court proceedings. The transition doesn't have to be overwhelming if you plan ahead!

I'm new to this community but facing a similar situation with my 15-year-old daughter who receives benefits from her father's disability record. Reading through all these responses has been incredibly helpful! I had no idea about the Student Statement form or that benefits could continue until 19 if still in high school. One thing I'm wondering about - does anyone know if the rules are different for children receiving benefits from a parent on disability versus retirement? My ex went on SSDI rather than early retirement, but I assume the age cutoffs are the same? Also, I've been struggling with those annual payee reports - they're so confusing. Does anyone have tips for organizing records throughout the year to make completing them easier?

Just wanted to add my experience as someone who went through something similar! I received a delayed profit sharing payment from a company I worked for in the late 90s, and it had zero impact on my Social Security benefits. The key thing that helped me was having the original employment agreement and profit sharing plan documents to show SSA that this money was earned decades ago. When I reported it (which I definitely recommend doing), the SSA representative was actually quite knowledgeable about these situations and immediately understood it wasn't current earned income. They made a note in my file and that was it - no reduction in benefits, no complications. The peace of mind from being upfront about it was worth it. Plus, having it properly documented in their system prevents any future questions if they ever audit or review your case. Good luck with your windfall!

Welcome to the community! As someone new to Social Security, I found this thread really helpful since I'm in a somewhat similar boat - not with profit sharing, but trying to understand all the income rules before I file next year. Reading through everyone's responses, it seems like the consensus is pretty clear that your 1994 profit sharing shouldn't affect your current benefits since it's not considered "earned income" for the earnings test. But I'm curious - when you do report it to SSA (which sounds like the smart thing to do), do you call them or is there a specific form you need to fill out? Also, has anyone had experience with how long it typically takes SSA to process this kind of information and confirm it won't affect your benefits? I imagine it would be nerve-wracking to wait and wonder if your next check might be reduced while they figure it out!

Just wanted to add one more consideration that might be relevant - if your mom's boyfriend is currently 62 and taking reduced benefits, his monthly payment will continue to be reduced for the rest of his life. However, when he passes away (hopefully many years from now), your mom as his surviving spouse would be eligible for survivor benefits based on what he WOULD have received at his full retirement age, not his reduced amount. So even if the spousal benefit doesn't help her now, the marriage could still provide valuable survivor protection down the road. This is different from the spousal benefit calculation and something else to factor into their decision. Of course, nobody likes to think about these scenarios, but it's part of the overall financial picture when considering remarriage at this stage of life.

Great thread with lots of helpful information! I just wanted to add that when your mom calls SSA to get the estimate, she should also ask about the "deemed filing" rules. Since she's already receiving her own retirement benefit and is past full retirement age, if she does become eligible for a spousal benefit after marriage, SSA will automatically pay her the higher of the two amounts. But it's still worth understanding exactly how they calculate everything so there are no surprises. Also, if they do decide to get married, make sure to keep good records of the marriage date since SSA will need proof of the marriage duration when she applies for any spousal benefits. A certified copy of the marriage certificate will be required. Good luck to your mom - it sounds like you're doing a great job helping her navigate this complex decision!

you should check out ABLE accounts if you get disability!! we set one up for my husband and it lets you save money without losing benefits. theres income limits for SSI but not SSDI but the ABLE account is still helpful for planning

I'm going through a similar situation right now at 59 with rheumatoid arthritis and fibromyalgia. Based on my research and consultation with a disability attorney, here's what I've learned that might help you: First, start documenting EVERYTHING now - keep a daily symptom journal, get regular medical appointments, and make sure your doctors are noting functional limitations, not just diagnoses. The SSA wants to see how your conditions prevent you from working ANY job, not just your current one. Second, consider applying for SSDI while you're still working if your condition worsens. You can work part-time and earn up to $1,550/month (2025 limit) during the application process without it affecting your claim. Third, regarding your wife's potential spousal benefits - she could claim on your SSDI record starting at 62, but it would be reduced. However, if she also qualifies for SSDI on her own record, that might be more advantageous since there's no age reduction for disability benefits. One thing that really opened my eyes: my attorney said to think of SSDI as "pre-paying" for your full retirement benefit. You've already earned it through your work credits, and disability just lets you access it early without the typical early retirement penalties. The process is daunting, but don't let that discourage you from applying if you genuinely can't work. Start gathering your medical records now - you'll need them either way.

I'm dealing with a similar situation right now! My husband just turned 66 and we were planning to file for his Social Security next month while continuing to max out our HSA contributions. I had NO idea about this automatic Medicare Part A enrollment issue until I saw your post. This is exactly the kind of critical information that should be prominently displayed on the Social Security application forms and website. Instead, it's buried in fine print that most people miss. We've been contributing to our HSA for 8 years specifically as part of our retirement healthcare strategy, and now we have to completely recalculate our plans. Thank you for sharing your experience - it's saving us from making the same costly mistake. We're going to delay his Social Security filing until we're ready to give up the HSA contributions. It's frustrating that the system forces this either/or choice when many people could benefit from both programs simultaneously.

I'm so sorry you're going through this - it's one of the most frustrating "gotcha" rules in the entire Social Security/Medicare system. What happened to you is unfortunately very common and perfectly legal, even though it feels completely unfair. The SSA agent was correct that you cannot decline Medicare Part A while receiving Social Security retirement benefits after age 65. This is mandated by federal law and there are no exceptions. The decline option you saw during your SS application only applies to Medicare Parts B and D, not Part A. For your HSA situation, you'll want to act quickly to avoid penalties. Contact your HSA administrator and request an "excess contribution correction" for any contributions made after your Medicare Part A effective date (October 2024). They'll calculate any earnings on those excess contributions that also need to be withdrawn. As long as you complete this before your tax filing deadline (including extensions), you can avoid the 6% penalty entirely. The silver lining is that your wife can still contribute to the HSA at the individual rate since she doesn't have Medicare coverage yet. And all your existing HSA funds remain available for tax-free medical expenses throughout retirement. This rule really needs better disclosure - too many people get blindsided by it when they're just trying to optimize their retirement planning.