Just wanted to add that you should also be prepared for the application process to take some time. When I applied for divorced spouse benefits, it took about 6-8 weeks to process even though I had all the documentation ready. The good news is that if approved, they'll backdate the payments to when you first became eligible. Also, make sure to keep copies of everything you submit - your divorce decree, marriage certificate, and any correspondence with SSA. The system can be slow but you're definitely entitled to these benefits based on what you've described. Good luck with your application!

This is such valuable information for anyone in a similar situation! I'm going through something comparable - I'm 62 and just applied for SSDI after a lengthy battle. My ex and I were married for 18 years before divorcing 4 years ago. Reading through all these responses really helps clarify the process. One thing I'd add is that when you call SSA, try calling first thing in the morning right when they open at 8 AM - I've had better luck getting through then rather than mid-day. Also, if you're having trouble reaching them by phone, some local SSA offices allow walk-ins for certain types of applications, though you'll want to call ahead to confirm. The divorced spouse benefit can really make a significant difference financially, so definitely don't give up if the first person you talk to seems confused about the rules - sometimes it takes speaking with a supervisor or specialist to get accurate information.

I'm really sorry for your loss. This is such a complex situation, but I'm glad you're thinking ahead and planning for your future. One thing I haven't seen mentioned yet is that you might want to consider reaching out to a Social Security disability attorney or elder law attorney who has experience with international cases. Many offer free consultations and can help you understand the nuances of claiming benefits while living abroad. They often have established relationships with FBUs and know exactly what documentation you'll need. Also, since you mentioned your children are all adults and US citizens, they might be able to help you navigate some of the US-based requirements if needed. Sometimes having someone stateside who can make calls during business hours or pick up documents can be really helpful. The fact that you have 5 years to prepare is actually a blessing in disguise - most people don't have that luxury of time to get everything organized properly. You're being really smart about starting this research now rather than scrambling when you turn 60. One last thought - if your home country has a US embassy with an FBU, they might also offer informational seminars or workshops about Social Security benefits for Americans abroad. It could be worth checking their website or calling to see if they have any scheduled events that might be helpful.

I'm really sorry for your loss. This thread has been incredibly informative - it's amazing how much helpful information everyone has shared! One additional resource I wanted to mention is the Social Security Administration's "Your Payments While You Are Outside The United States" publication (SSA Publication No. 05-10137). It has detailed information about receiving benefits while living abroad and covers many of the issues that have been discussed here like totalization agreements and payment restrictions by country. You can find it on the SSA website or ask the FBU to provide you with a copy when you meet with them. It's written specifically for people in your situation and might answer some questions you haven't even thought to ask yet. Also, since you're planning 5 years ahead, you might want to set a reminder to check back on any rule changes annually. Social Security rules can change, and international payment policies sometimes get updated. The FBU can help you stay informed about any changes that might affect your situation. Your methodical approach to planning this out is really admirable - your future self will definitely thank you for being so thorough now!

Fantastic outcome! This is such a great example of why it's worth asking HR about these timing issues. Many people don't realize they can often request changes to payout dates for exactly these reasons. Your story will definitely help others in similar situations. Enjoy your well-deserved retirement and congratulations on getting this sorted out before it became a problem!

Welcome to the community, Jamal! You're absolutely right about how these timing details can make such a huge difference. I've learned so much from threads like this one too. If you're facing a similar PTO payout situation, definitely start the conversation with your HR department early - as Dmitry found out, they often can accommodate these requests but need advance notice. The key thing to remember is that Social Security counts income when you receive it, not when you earned it. Feel free to ask questions here - this community has been incredibly helpful for navigating all the complexities of Social Security and retirement planning!

I'm so glad you posted this question because I was literally wondering the same thing! I just started receiving Social Security benefits at 62 and have been terrified about accidentally going over the earnings limit. Reading all these responses has been incredibly educational - I had no idea there was such a clear distinction between "earned" and "unearned" income. It makes perfect sense that they only care about whether you're actively working, not about one-time asset sales or retirement withdrawals. This community is amazing for getting real-world experiences from people who've actually dealt with these situations. Thank you to everyone who shared their stories!

I'm glad this question got so many detailed responses! As someone who's been helping people navigate SSA benefits for years, I want to emphasize what others have said - the earnings test is very specific about what counts. Only "earned income" from active work counts toward the $22,320 limit. Your timeshare sale and 401k withdrawals are both considered "unearned income" and are completely exempt. The SSA Publication 05-10069 "How Work Affects Your Benefits" explains this clearly if you want the official source. You can sleep easy knowing you're well within the limits!

When i started SS last year i had to quit my good payin job and find something with less hours cause of this stupid rule!! I'm still MAD they dont explain this stuff better!

Just wanted to add one more helpful detail - if you're tracking your earnings throughout the year, Social Security uses your gross wages (before taxes) when calculating against the earnings limit. So make sure you're looking at your gross pay from that part-time job, not your take-home pay. Also, if you get a raise or bonus during the year, factor that in too. The SSA website has a really helpful earnings test calculator where you can plug in your expected annual earnings to see exactly how it would affect your benefits if you do go over the limit.