After reviewing all the responses, here's a practical summary: Contact SSA proactively to report your anticipated earnings. The reduction will be $1 for every $2 you earn above the limit. They may suspend payments for some months or reduce each payment until the amount is recovered. If you don't report it, they'll eventually find out through tax records and send you a notice of overpayment. The good news is that once you reach your Full Retirement Age, these earnings limitations disappear completely, and your benefit will be recalculated to give credit for the months benefits were withheld.

I'm in a similar situation and have been researching this extensively. One thing I learned is that SSA has a "grace year" policy for your first year of retirement - they only count earnings from the month after you start receiving benefits. Since you started in January, this might not apply to you anymore, but it's worth mentioning to others. Also, if you do end up with an overpayment, you can request a waiver if repayment would cause financial hardship. They'll consider your income, expenses, and assets. You can also appeal their earnings calculations if you think they made an error. The key is documentation - keep records of when you worked, what you earned, and any communications with SSA. One more tip: if this contract work is temporary and you'll be back under the limit next year, the reduced benefits now will actually increase your monthly payment slightly once you reach FRA, since they recalculate to account for the months they withheld benefits.

Update: I managed to get through to someone at SSA this morning! Used that Claimyr service someone mentioned and it worked great. The agent confirmed they were using my 2023 earnings to estimate 2024, but I was able to explain my reduced hours. They're sending me the SSA-795 form to complete and said they'll adjust my benefits for June. They also said I'll get back the excess they've already withheld once they process my paperwork. Thank you all for the helpful advice!

Great to hear you got it resolved! This is a perfect example of why the SSA-795 form is so important for anyone whose work situation changes after retirement. For others reading this thread who might face similar issues, here are a few additional tips: 1) Submit the form as soon as your earnings pattern changes, don't wait until they start over-withholding, 2) Keep detailed records of your hours and pay - even a simple spreadsheet helps, and 3) If you're approaching FRA like StarStrider, remember that the earnings test stops completely the month you reach full retirement age, so any excess withholding from earlier in that year gets refunded automatically. The system isn't perfect but it does work when you know which forms to use!

Just a warning - the SSA is SERIOUSLY understaffed right now! I've heard processing times are getting longer and longer. If I were you I'd apply 4 months early just to be safe. The official recommendation might be 3 months but that was before all the staffing issues they're having now. Better safe than sorry!!!

I went through this same process last year and can share what worked for me. I applied exactly 3 months before my FRA birthday in October, and everything went smoothly - my first payment arrived right on schedule in November. One tip that really helped: I created a my Social Security account online first (if you don't already have one) and spent some time reviewing my earnings record before applying. This way I could spot any discrepancies ahead of time. The online application itself was pretty straightforward, but having all my documents organized made a huge difference. Since you're planning to stop work in July and your FRA is in August, applying in May would put you right at that 3-month mark. That should give SSA plenty of time to process everything, and you'll avoid any potential earnings complications since you'll already be retired when benefits start. Don't stress too much about the weekend birthday - the system handles all that automatically. Good luck with your application!

This is really helpful. My health is good and my parents both lived well into their 90s, so longevity runs in my family. That probably tips the scales toward waiting for FRA in my case.

Jessica, given your family's longevity history and good health, waiting until FRA definitely seems like the smart financial move for you. I'm in a similar boat - divorced after a long marriage with an ex who was the higher earner. One thing that helped me make the decision was creating a simple spreadsheet comparing the monthly amounts and total lifetime benefits under each scenario. Since you mentioned your ex was an engineer and the primary breadwinner, his 50% spousal benefit (even reduced) might still exceed your own retirement benefit. But the key question is whether you can afford to wait those extra 2+ years without any Social Security income. Have you looked into other income sources to bridge that gap, like part-time work or tapping retirement accounts? Sometimes the peace of mind from having some income now outweighs the long-term financial optimization, and that's okay too. Every situation is different, so don't feel pressured to make the "mathematically perfect" choice if it doesn't work for your real-world circumstances.

Thank you! I'll make sure he knows to ask specifically about that strategy. I appreciate everyone's help so much - this group has been incredibly informative!

I'm so glad to see everyone helping your brother navigate this situation! As someone new to understanding Social Security benefits, I learned a lot from reading through these responses. One thing that really stands out is how complex the timing strategies can be - the idea that he could take survivor benefits now and potentially switch to his own retirement benefits later is fascinating. It seems like the key is getting SSA to run all the numbers so he can make an informed decision. I hope his appointment goes smoothly and that he's able to get some financial relief soon. The fact that you're helping him research this and gather documents shows what great family support he has during a difficult time. Please update us on how it goes - I'm sure others in similar situations would benefit from hearing about his experience with the application process!