Thank you everyone for the helpful responses! I feel much better knowing this transition should be smooth. I'm going to try reaching SSA again to confirm everything, and I might try that Claimyr service if I keep having trouble getting through. I'll also double-check my direct deposit information to make sure it's current. I appreciate all your help!

Just wanted to add that you can also check your transition status through your my Social Security account online. When you log in at ssa.gov, you can see your benefit information and payment history. About 30 days before your FRA, the system will usually show the upcoming change in your benefit type. This gives you a good way to monitor the transition without having to wait on hold for hours. I'd recommend checking your account regularly in the weeks leading up to your FRA date - it's much easier than trying to get through on the phone!

Update: I called SSA this morning and finally got through after trying for 3 days! The rep confirmed what many of you said - they look at net earnings for self-employment. She also explained that they'll take the adjustment from future benefits next year after I file my taxes. I'm going to track my hours and income more carefully going forward, and I might talk to my accountant about restructuring. Thanks everyone for your help!

One thing I haven't seen mentioned yet is that you can request a waiver if the overpayment creates a financial hardship. I had to do this when I got hit with a $2,800 overpayment notice. You file Form SSA-632 and provide financial documentation showing that repaying would cause undue hardship. Also, keep detailed records of when you work vs. when you don't work each month. If you have months where you truly don't work at all in your consulting business, you can get full benefits for those months under the monthly earnings test that @Luca Bianchi mentioned. This saved me about $1,200 last year during the three months I took off due to a family emergency. The key is being proactive - don't wait for the overpayment notice. Report your estimated annual earnings to SSA early in the year so they can adjust your monthly payments accordingly.

my uncle did this exact thing last year!! suspended for 8 months while he sold his business then started again. worked out great for him tax wise

This is such a smart strategy! I'm in a similar situation with rental properties creating tax headaches. One thing I learned from my financial advisor is to also consider the timing of when you restart benefits in relation to your tax year. If you're planning to sell properties in early 2025, you might want to restart benefits in January 2026 to keep that tax year cleaner. Also, don't forget that when you do restart, it might take a month or two for payments to actually begin again, so plan your cash flow accordingly. The 8% annual delayed retirement credits really do add up - even a short suspension can be worth it if it saves you from getting hammered by the tax torpedo!

To address your latest question - there isn't a perfect calculator for your specific situation because of the complexity with the potential GPO repeal. However, here's a step-by-step approach: 1. Create a my Social Security account at ssa.gov 2. Look at your ex-spouse's earnings record (you'll need to request this from SSA) 3. Calculate 50% of his Primary Insurance Amount (PIA) 4. Compare that to your own benefit (if you have one from work covered by Social Security) Without GPO, you would be eligible for the higher of your own benefit or up to 50% of your ex's benefit. Since you worked as a teacher in a state where you didn't pay into Social Security, you likely don't have your own SS benefit, so you'd get the 50% spousal benefit if GPO is repealed. And yes, you'll still need to meet that 2-year divorce requirement.

Welcome to the community! I'm new here but have been following this GPO discussion closely as my situation is very similar. I'm a retired teacher from Texas (also didn't pay into SS) and have been married for 15 years. My husband is 62 and planning to retire next year. Reading through all these comments has been incredibly helpful - especially learning about the 2-year divorce requirement and the current status of the GPO repeal. Like many of you, I was under the impression it had already passed! One thing I wanted to add that might help others: I called my state teachers' retirement system and they said they're tracking the GPO legislation closely and will notify members once anything is officially signed into law. They recommended not making any major financial decisions based on potential benefits until it's actually enacted. Stay strong everyone - hopefully we'll all get the benefits we've been waiting for soon!

Btw make sure your husband has all his documents ready. They're super strict about that stuff. Birth certificate, marriage license, the whole deal. My application got delayed 2 months cuz I didn't have right papers.

One thing to keep in mind is that when your husband files his application, he should specify February 2025 as his desired start date to make sure he gets that first payment in February. Sometimes people accidentally select dates that push their first payment back a month. The SSA processes applications pretty quickly these days, but it's good to file at least a few weeks before you want benefits to start, especially if you're doing it online. Also, since he's claiming before his FRA, make sure he understands the earnings test if he plans to work at all after claiming - that can affect his benefits until he reaches full retirement age.