wait so if you get survivor benefits do you still get your own ss payment too or just the higher one?

I'm in a very similar situation and wanted to share what I learned during my recent SSA appointment. I was a federal employee for 28 years and my husband passed away 6 months ago. Like you, I was told I couldn't get survivor benefits due to GPO. After reading the helpful responses here, I called SSA using the tip about calling right at opening time - got through in about 15 minutes! The representative calculated that even with the GPO reduction, I would still receive about $800 monthly in survivor benefits (compared to my current $620 WEP-reduced benefit). What really surprised me was that they were able to process everything over the phone since I already had most documents on file from previous applications. I didn't need an in-person appointment. They said I should see the first payment within 4-6 weeks, and yes - I'm getting retroactive payments back to the month after my husband passed away. Don't give up hope! Even with these unfair GPO rules still in place, you very likely qualify for benefits that would significantly help your financial situation. The math shared by others here seems spot-on based on my experience.

As a newcomer trying to understand all this, it's really helpful to see everyone's explanations! From what I'm gathering, the key distinction is that GPO only affects Social Security benefits you'd receive based on someone ELSE'S work record (like spousal or survivor benefits), but it doesn't touch the Social Security you earned from your own work history. So @Carter Holmes, your $2,304/month Social Security benefit that you earned yourself should be completely safe - GPO won't reduce it at all, even when you start receiving your wife's CalSTRS pension as a survivor benefit. The confusing part seems to be that there are two separate government pension rules (GPO and WEP) that people often mix up, plus SSA's own explanations aren't always clear. But everyone here seems to agree on the basic principle: your own earned SS benefits = protected from GPO. I'd definitely follow the advice about getting an official determination from SSA though, just to have it in writing for your peace of mind!

This thread has been incredibly helpful! I'm in a similar situation with my spouse who has a state teacher retirement system pension. What I'm learning from everyone's experiences is that there are really two key questions to ask yourself: 1. Are you claiming Social Security based on YOUR OWN work record? (If yes, GPO doesn't apply) 2. Are you claiming Social Security based on your SPOUSE'S work record? (If yes, GPO might reduce those benefits) @Carter Holmes - it sounds like you're in category #1, so you should be fine. But I'm curious - have you considered whether your wife might have ANY Social Security credits from work before teaching? Even a small SS survivor benefit could be worth checking on, though it would be subject to GPO. Also, for anyone dealing with these complex rules, I've found that the SSA's online calculators and benefit estimates don't always account for GPO/WEP properly, so the official determination that @Sophia Long mentioned is really important. Don't rely on the online estimates alone! Thanks everyone for sharing your experiences - this is exactly the kind of real-world knowledge that's so hard to find elsewhere.

my neighbor got her exs ss when he died but she had to wait till she was 60 even tho they were married for like 30 years... the whole thing is confusing

This is such valuable information for anyone in a similar situation! I wanted to add that it's also worth keeping copies of all your important documents (marriage certificate, divorce decree, etc.) in a safe place where you can easily access them if needed. One thing I learned from helping my mom navigate Social Security issues is that having everything organized beforehand makes the process much smoother when you're already dealing with the stress of a loss. You might also want to consider reaching out to your local Social Security office to get familiar with their procedures now, rather than waiting until you actually need to file a claim. It sounds like you have a good understanding of your situation now thanks to all the helpful responses here. The fact that your marriage lasted 22 years definitely works in your favor, and being on SSDI shouldn't prevent you from receiving the higher benefit if your ex-husband's amount exceeds yours.

I'm a retired teacher from Texas who went through this process last month. Applied online on February 3rd and received my first payment on March 7th - so about 5 weeks total. The key thing that helped me was creating a detailed timeline of my previous GPO denial with dates and reference numbers. One tip: when you apply, ask specifically about the "GPO repeal expedited review" - apparently there's a special code they can put on your application that prioritizes it. My local SSA office didn't mention this initially, but when I called back and asked about it, they were able to add it to my case. Also, make sure to ask for a receipt or confirmation number when you submit everything. I had to follow up twice because they initially couldn't locate my application in their system. Having that confirmation number saved me from having to start over completely. The retroactive payments back to January were included in my first payment, which was a nice surprise! Hang in there - it's worth the wait after all these years of getting nothing due to GPO.

I'm also a retired teacher dealing with the same situation! Lost my husband two years ago and was devastated to learn I'd get zero survivor benefits due to GPO. Reading everyone's experiences here gives me so much hope. Based on what I'm seeing from all your posts, it sounds like the key factors for faster processing are: 1) applying in person if possible, 2) having all documentation ready, 3) asking about that "GPO repeal expedited review" code that StarStrider mentioned, and 4) getting a confirmation number. I'm planning to apply next week and will definitely ask about those special WEP/GPO appointment slots that Natalie mentioned. After years of getting nothing, I'm cautiously optimistic that this repeal will finally give us the benefits we deserve. Thank you all for sharing your experiences - this community support means everything during such a difficult process!

I want to thank everyone for the helpful responses! Based on what you've all shared, I'm going to apply for benefits to start in January 2025 so I can get the COLA increase right away. I'll make sure to submit my application a few months in advance as suggested. I'm also going to check out that Claimyr service for getting through to SSA - sounds much better than waiting on hold for hours. Really appreciate all the insights!

One more thing to consider - since you're already past your FRA, you might want to double-check what your exact FRA was. If you were born in 1960 or later, your FRA is 67, not 66. I see a lot of people get confused about this and think they can start full benefits earlier than they actually can. Also, if you do decide to start in January, your first payment won't actually arrive until February since Social Security pays benefits the month after they're earned. Just wanted to make sure you're planning your finances accordingly!