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when is your birthday? if your turning 64 soon maybe wait? the earnings limit goes up when you hit your FRA year
The GPO can be really devastating - I've seen cases where people's spousal benefits are completely wiped out. Since you worked 18 years in California without paying Social Security taxes, you'll likely face the full GPO reduction. Before you apply, try to get an estimate of what your spousal benefit would be without GPO, then subtract 2/3 of your monthly pension amount. If that number is zero or negative, you won't receive any spousal benefits at all. It's harsh, but better to know upfront than be surprised later.
One last thing about the SSDI application - make sure your doctor includes detailed notes about your physical limitations and how the cancer and treatment affect your ability to work. Mention specific job requirements you can no longer meet (standing/walking requirements, lifting restrictions, cognitive issues from chemo, etc). This strengthens your case tremendously. Wishing you the best with your treatment and hoping for a full recovery.
I'm really sorry to hear about your diagnosis. As someone who went through the SSDI process with my late husband, I wanted to add that you should also gather all your medical records now while you have the energy. The SSA will request them anyway, but having copies ready speeds things up. Also, don't be discouraged if your initial application gets denied - that's unfortunately common even with serious conditions like cancer. If that happens, request a hearing immediately. The approval rates are much higher at the hearing level. Your wife is smart to think ahead about this. The survivor benefits will definitely help her financially when the time comes. Take care of yourself and focus on your treatment.
This is really solid advice about gathering medical records early. I'm going through a similar process with my mom right now and wish we had started collecting everything sooner. The hearing approval rate being higher is encouraging to know - gives some hope if the first application doesn't go through. Thanks for sharing your experience during what must have been a really difficult time.
Update: I called our local office this morning and got some answers. They confirmed my wife needs to call to apply for the spousal benefit. It won't be retroactive to when I applied unless she applies within 6 months of my benefit approval (not application date). And yes, the calculation is her benefit plus the difference to get her to the reduced spousal amount. Thanks everyone for your help with this!
Thanks for sharing that update! That's really helpful information about the 6-month window from your benefit APPROVAL date, not the application date. That's an important distinction I didn't know about. Good luck with getting your wife's spousal benefits sorted out - hopefully the process goes smoothly once your own application is fully approved!
That's such a crucial detail about the 6-month window starting from approval rather than application! I'm new to all this Social Security stuff and didn't realize there was such a tight deadline. Really appreciate you taking the time to call and share what you learned - it'll definitely help others in similar situations. The whole process seems way more complicated than it should be!
To follow up on my earlier comment - I received confirmation that my application was processed yesterday. The representative said I should expect to receive my first payment in about 30-45 days, and they'll send me a detailed breakdown of how the WEP/GPO reduction was calculated. One important thing to note: they asked very specific questions about my non-covered employment (the teaching job with a pension). They wanted exact start and end dates for each position, and information about any breaks in service. I wasn't prepared for this level of detail, so I had to estimate some dates, which could delay processing. The rep also mentioned that they're prioritizing spousal benefit applications for people affected by WEP/GPO right now, which might be why I got through relatively quickly once I reached the right department.
I'm a newly retired federal employee (30 years with USPS) and my wife has been collecting her SS retirement for about 6 months now. I've been lurking on this forum for weeks trying to figure out the best approach for applying for spousal benefits under WEP/GPO rules. Based on what I'm reading here, it sounds like calling first thing in the morning and using the specific script that QuantumQuasar provided might be the way to go. I'm going to give it a try next week once I get all my employment documentation organized. One question though - for those who have successfully applied by phone recently, did they ask for any documentation to be mailed or faxed in afterward, or were they able to complete everything verbally over the phone? I'm wondering if I should have my pension statement and marriage certificate ready to scan and email if needed. Thanks to everyone sharing their experiences - this is exactly the kind of real-world information that's impossible to find on the official SSA website!
Anastasia Popov
Thank you for this update! I don't use Twitter so I would have missed this. At least there's an official timeline now. I appreciate everyone's help and suggestions!
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Aisha Hussain
I've been dealing with this exact same issue! Been locked out for about 10 days now with the same error message. I tried calling the 800 number yesterday and after waiting 2 hours and 45 minutes, I finally got through to someone who told me they're aware of the problem but couldn't give me any specifics on when it would be fixed. She did mention that if it's truly urgent (like needing to report a death or stop payments), they can sometimes handle certain things over the phone, but for most account access issues we just have to wait. So frustrating when you're trying to plan for retirement and can't access your own information!
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