Congratulations on getting your application submitted! That's such a relief when you're worried about timing. Just wanted to add that when SSA calls you for that verification interview, they'll typically ask about your work history and might need clarification on some of the information you provided. Don't worry if you don't remember exact dates - they have access to your earnings record and can help fill in any gaps. The call usually takes about 15-20 minutes and they're pretty helpful about walking you through anything you're unsure about.

Just wanted to chime in as someone who went through this process recently! I applied online in December for a February start and it was surprisingly smooth. The website saves your progress automatically, so you don't have to worry about losing your work if you need to step away. One tip - when they ask about your work history, don't stress if you can't remember every single employer or exact dates. They have your earnings record and will help verify during the follow-up call. The most important thing is getting your application in before the end of March so you can still get that April start date. Also, make sure your bank account info is exactly right for direct deposit - any errors there can cause delays in your first payment. Good luck with your retirement!

Update: I showed my husband all your comments and the SSA link about delayed retirement credits. He was surprised but still skeptical. We logged into his my Social Security account together and looked at his projected benefit amounts at different ages. Seeing the actual dollar difference ($475 more per month if he waits until 70!) finally convinced him. He's now planning to use some of our savings to bridge the gap between 68-70 and wait to claim his Social Security. Thank you everyone for your help explaining this! And special thanks to the person who mentioned the survivor benefit aspect - that was something we hadn't considered at all.

Congratulations on getting through to your husband! That $475/month difference is huge - you're absolutely right to have pushed for this understanding. Just wanted to add one more thing that might be helpful for others reading this thread: if you're using savings to bridge the gap between retirement and claiming SS, make sure you're withdrawing from the right accounts tax-wise. For example, if you have traditional 401k/IRA money, those years before claiming Social Security might be a great time for Roth conversions since your income will be lower. A financial advisor can help optimize which accounts to tap during that 68-70 bridge period. The tax savings could be substantial and make the delayed claiming strategy even more beneficial!

You can find the exact reduction percentages on the SSA website here: https://www.ssa.gov/benefits/retirement/planner/agereduction.html For spousal benefits, the reduction is 25/36 of 1% for each month before FRA (up to 36 months) and 5/12 of 1% for each additional month. If you need help with this calculation, you can also call SSA directly or use their retirement calculator on the website.

I'm going through a similar situation and wanted to share what I learned from my SSA appointment last week. The representative explained that even though your husband's current benefit is reduced because he claimed early, your spousal benefit calculation starts with his full PIA (Primary Insurance Amount) - what he would have gotten at full retirement age. So you might actually get more than half of his current $2,150! However, the timing of when YOU claim matters a lot. I'm 64 now and was considering claiming early, but after seeing the reduction calculations, I'm planning to wait until my FRA at 67. The difference is substantial - we're talking about potentially $300-400 less per month for the rest of your life if you claim at 62 versus waiting. One tip: ask SSA for a written estimate showing your benefit amount at different claiming ages. It really helps with the decision-making process!

This is absolutely heartbreaking and unfortunately way too common. I work as a disability advocate and see these survivor benefit delays constantly - it's one of the most broken parts of the SSA system. A few additional suggestions that have worked for my clients: 1. If she can afford it, consider hiring a Social Security attorney who specializes in survivor benefits. Many work on contingency (they only get paid if she wins) and can often cut through the red tape faster than individuals can. 2. File a complaint with the SSA's Office of the Inspector General (OIG) online at oig.ssa.gov. This creates an official record and sometimes triggers faster action. 3. Contact your local legal aid organization - many have SSA advocates who can help for free or low cost. 4. Document her financial hardship thoroughly - utility shutoff notices, mortgage default letters, medical bills she can't pay. This strengthens her case for expedited processing. The fact that she hasn't even received the $255 death benefit suggests her application may have never been properly entered into their system. This is more common than people realize. Your friend is entitled to receive benefits retroactive to her application date, so she will eventually get that 7-month lump sum. Don't let them tell her otherwise. Stay strong and keep fighting - the system is designed to wear people down, but she has every right to these benefits.

I'm so sorry your friend is going through this nightmare on top of grieving her husband's loss. Seven months without survivor benefits is completely unacceptable, especially when she's facing foreclosure. Based on what others have shared here, I'd strongly recommend she tries multiple approaches simultaneously: 1. Use that Claimyr service mentioned earlier to actually get through to a human at SSA without waiting hours 2. Contact her congressperson's office immediately - they have special liaisons who can expedite SSA cases 3. Request an "urgent critical need" appointment using the exact language Victoria provided 4. File complaints with both the SSA Office of Inspector General AND Office of Public Inquiries The fact that she hasn't received even the automatic $255 death benefit is a huge red flag that something went seriously wrong with her initial application. It may have never been properly processed at all. She should also gather documentation of her financial hardship (past due mortgage notices, utility bills, etc.) to strengthen her case for emergency processing. And definitely keep copies of EVERYTHING she submits going forward. This system is broken and it's designed to wear people down, but she has every legal right to these benefits. Don't let them make her feel like she's asking for charity - her husband paid into this system his entire working life specifically so she would be protected if something happened to him. Sending strength to both of you during this difficult time. Please update us on what works!

my friends kid got turned down even tho he had autism because they said his iq was too high, it was like 85 i think. your daughter having 71 will probably help her case

I'm a disability advocate and wanted to add some perspective on the classification question. You're right to be confused - SSA's categorization system doesn't always align with how we typically think about disabilities in educational or medical settings. The key thing to understand is that SSA uses a "listings" approach where they have specific criteria for different conditions. Your daughter would likely be evaluated under both Listing 12.10 (Autism Spectrum Disorder) AND potentially 12.05 (Intellectual Disorder) given her IQ and functional level. What really matters for approval is demonstrating that she has "marked" limitations in at least two areas of functioning, or "extreme" limitation in one area. With her academic functioning at 1st grade level at age 15, this should be well-documented. One tip: when she applies at 18, make sure to emphasize her adaptive functioning deficits, not just academic ones. SSA looks at things like money management, social interaction, following complex instructions, maintaining hygiene independently, etc. These daily living skills are often more predictive of work capacity than IQ scores alone. The transition at 18 can actually work in your favor since they'll evaluate her independently of family income. Start preparing those records now!