I work at a local SSA field office and can confirm that backdating up to 6 months is absolutely allowed for retirement benefits - that phone rep gave you completely wrong information! This happens way too often unfortunately. When you come in, bring your marriage certificate, birth certificate, and documentation of your government pension amount. Ask specifically for a "protective filing date" of 6 months ago. Make sure they calculate BOTH your own benefit (reduced by WEP) AND spousal benefit (reduced by GPO) to see which is higher after all reductions are applied. One tip from the inside - if the first person you speak with seems unsure about WEP/GPO rules, politely ask to speak with someone who specializes in these provisions. Not all our staff gets regular training on these complex situations, but we do have specialists who handle them regularly. Good luck with your appointment! The backdated payments should help with those home repairs.

I'm so glad you found an actual SSA employee to confirm what everyone has been saying! As someone who went through the WEP/GPO maze myself two years ago, I can't stress enough how important it is to get the right person who understands these provisions. One additional thing I learned - when they're calculating your GPO reduction, make sure they're using the correct pension amount. They need your GROSS monthly pension before any deductions for health insurance, taxes, etc. I initially gave them my net amount and it threw off their whole calculation. Also, don't be surprised if your first appointment takes longer than usual. WEP/GPO cases require more documentation review and calculations than standard retirement applications. But that backdating will definitely be worth the extra time - six months of payments is substantial money at our age!

@profile8 Yes, it's called the "Monthly Earnings Test" or sometimes the "Grace Year Rule." It only applies in the first year you receive benefits. It means that regardless of your total annual earnings, in any month you earn below the monthly limit AND don't perform substantial self-employment services, you'll receive your benefit for that month. This is particularly useful for people who have high earnings early in the year but then retire or substantially reduce their work mid-year. You can find this in the SSA's Program Operations Manual System (POMS) section RS 02501.080.

Just wanted to add one more consideration for your planning - make sure to factor in any potential cost-of-living adjustments (COLA) when calculating the earnings limits for future years. The $22,300 limit mentioned for 2025 is an estimate, and the actual amount could be slightly different when SSA announces it officially. Also, if you're planning to maximize your 401k contributions while working full-time, remember that those contributions will actually REDUCE your countable earnings for Social Security purposes since they're pre-tax deductions. This could help you stay closer to the earnings limit even while working more hours. Good luck with your planning - it sounds like you're being very thoughtful about this transition!

I want to add one more thing - if your brother is receiving Medicare due to his disability status, attending college won't affect that coverage either. Some people worry about losing health insurance, but education doesn't impact Medicare eligibility for disabled beneficiaries.

This is such a thoughtful question to ask on behalf of your brother! I'm a disability advocate and I can confirm that attending college generally does NOT jeopardize SSDI benefits. The Social Security Administration actually encourages education through several programs. One thing I'd add that others haven't mentioned - your brother might want to look into whether his college offers priority registration for students with disabilities. Many schools allow disabled students to register early, which can help him get classes that work better with his health needs and schedule. Also, if he does decide to pursue this, he should keep documentation of his educational goals and how they relate to managing his disability or potentially contributing to society in ways that work within his limitations. While it's not required, having that information can be helpful if any questions ever arise. The fact that he's considering this shows real strength and determination. Education can be incredibly therapeutic and provide that sense of purpose he's looking for, regardless of whether it ever leads to employment.

My sister actually got a spousal benefit for 3 years and THEN switched to her own benefit when she hit 70. But that was under the old rules that changed in 2015 with the Bipartisan Budget Act. You can't do that strategy anymore unless you were born before January 2, 1954. Just mentioning it because there's a lot of outdated advice floating around from people who filed under the old rules!

Just wanted to add one more consideration that might help with your planning - if you do end up qualifying for a spousal benefit (because your own benefit at 70 is still less than 50% of your husband's PIA), you don't have to wait until 70 to claim it. You could potentially claim your spousal benefit as early as your Full Retirement Age without any reduction, since spousal benefits don't earn delayed retirement credits anyway. This could give you some income starting earlier while your own benefit continues to grow with delayed credits until 70. Definitely worth running the numbers on both scenarios when you check your estimates on ssa.gov!

One more thing - if she's turning 65 she needs to apply for Medicare NOW even if she delays SS benefits!!! Don't mess this up or you'll pay penalties forever!!!!!

Just wanted to add one more consideration that might be relevant - if your wife does decide to withdraw her Social Security application and wait, make sure you understand the implications for any spousal benefits you might be eligible for. If you're close to retirement age yourself, her decision to delay could affect your options for claiming spousal benefits. Also, since she's already been approved for LTD, that's a good sign that her medical documentation is strong, which should help with the SSDI application if she decides to pursue that route. The fact that multiple people here have confirmed LTD doesn't count toward the earnings limit should give you confidence in moving forward with whatever decision makes the most financial sense for your situation.