Update: We finally got through to SSA yesterday and started the application. The representative confirmed what several of you said - my nephew can receive both benefits, but the OPM benefit will be reduced by whatever he gets from Social Security. She estimated his monthly SS benefit will be around $1,875. We also got the OPM paperwork started with a benefits specialist (thank you for that suggestion!). They're estimating about $2,140 monthly, so if those numbers are accurate, he would get the full SS benefit ($1,875) plus the difference from OPM ($265). Thank you all SO much for the help and guidance. This has been an overwhelming time and your expertise made a huge difference.

I'm so sorry for your family's loss. As someone who works in federal benefits administration, I want to emphasize how important it is that you got the correct information from SSA. The HR person's initial explanation was misleading - while technically your nephew can't receive the "full" amount of both benefits simultaneously due to the offset, he absolutely should apply for both to ensure he receives the maximum possible benefit. One additional thing to keep in mind: make sure your sister understands that these benefits will continue until your nephew turns 18 (or 19 if still in high school). The OPM benefit can extend to 22 if he's a full-time college student, but the Social Security portion stops at 18/19. This might affect financial planning for his later college years. Also, definitely follow up on the FEGLI suggestion - federal employees often have basic life insurance that's separate from these survivor annuities, and that could provide additional financial support for your nephew's future.

btw don't send original documents!!! only send COPIES. my friend sent originals and ssa lost them all!! make sure u keep ur originals safe

Just wanted to add - make sure you request a copy of your complete SSA file well before your hearing if you haven't already! You can submit Form SSA-L725 to get your entire administrative file. This will show you exactly what the ALJ will be looking at and help you identify any missing documents. I did this for my hearing and discovered they were missing several key pieces of correspondence that proved my timeline. Having your own copy of their file also helps you reference specific documents during the hearing by their exhibit numbers. Good luck with your Monday deadline!

To make sure we've got this clear for the original poster: If your FRA is 67 and 4 months and you were born on September 17th, your FRA is January 17th. You can file for benefits up to 4 months before January (as early as September) and specify January as your start month. Your benefits will start in January (the full month is credited to you even though your FRA is on the 17th), and your first payment will arrive in February on the third Wednesday. There's no advantage to waiting until January to file - in fact, filing 2-3 months early (while still specifying January as your start date) is recommended to avoid processing delays.

Just want to add one more helpful tip for anyone reading this - when you do file your application (whether online or by phone), make sure to have your most recent tax return handy and any W-2s from the current year. SSA will need to verify your earnings history to calculate your benefit amount. Also, if you're married, they'll ask about your spouse's Social Security number and birth date even if they're not filing yet, as this affects potential spousal benefits down the line. The online application at ssa.gov is usually the fastest way to apply and you can save your progress if you need to gather documents. Good luck with your retirement planning!

Thank you everyone for the thoughtful responses! Based on your advice, I'm leaning toward delaying until 70 while continuing to max out my 457(b) contributions and drawing from my brokerage accounts as needed. Given my family history of longevity and current good health, the guaranteed 24% increase seems worth waiting for. I'll schedule a meeting with my financial advisor to map out a year-by-year withdrawal strategy that minimizes taxes during this bridge period. Really appreciate all the insights!

Sounds like you've gotten some excellent advice here! As someone who works in retirement planning, I'd add one more consideration: review your projected monthly expenses during retirement to make sure you have adequate bridge funding for those 3 years between FRA and age 70. Since you're consulting part-time and have that $48K income, you might want to calculate whether continuing that work (even at a reduced level) plus 457(b) contributions plus brokerage withdrawals will comfortably cover your lifestyle. The peace of mind from having a solid cash flow plan during the delay period is just as important as the math behind the decision. Also consider setting up a spreadsheet to track how your "combined income" calculation will change once you start SS at 70 - it'll help with tax planning in those early retirement years.

As a newcomer here, I really appreciate seeing this helpful discussion! It's reassuring to know that so many community members are willing to share accurate information and help clarify confusing rumors. I'm also someone who relies on Social Security payments and timing is crucial for budgeting medical expenses and other necessities. It's good to see that Gabriel Freeman was able to get official confirmation from SSA that the November 2025 schedule remains unchanged. This kind of misinformation can cause unnecessary stress for seniors who depend on these payments. Thanks to everyone who took the time to provide factual responses!

As another newcomer to this community, I want to echo what others have said about how valuable it is to have members who take the time to verify information with official sources. I've been receiving Social Security for about two years now, and I've learned that rumors like this one can spread quickly, especially in community settings where people are genuinely trying to help each other. What I find particularly helpful about this discussion is seeing the different ways people approach getting accurate information - from checking the official SSA website to calling directly (even with the challenges of long wait times) to using services that can help connect you faster. It's a great reminder that when in doubt, always go to the official source rather than relying on secondhand information, no matter how well-intentioned it might be.