Just watch your first few payments CAREFULLY!!! Make sure the amount matches what they TOLD you it would be! I got underpaid for MONTHS because they didn't add the spousal portion correctly! Don't assume the computers get it right!!

As someone who recently went through a similar situation, I wanted to add that it's worth asking SSA about the "restricted application" rules that changed in 2016. Since you're filing at 62, you're subject to "deemed filing" which means you're automatically applying for both your own benefit and spousal benefits simultaneously - they'll pay you whichever is higher. The key thing to remember is that both benefits get reduced for early filing, but the reduction rates are slightly different (about 25% reduction on spousal vs 30% on your own record when filing at 62). Also, make sure to ask them to send you a written benefit verification letter once everything is processed so you have official documentation of your benefit amounts. Good luck with your call tomorrow!

I just remembered something else - when I got my lump payment it showed up as "XXSOC SEC" on my bank statement which was different from my regular monthly deposit that shows as "XXXXSSI". So watch for that.

I'm in a very similar situation right now! Started collecting at 62 last year and they've been withholding my benefits since September based on their estimate. I actually called last month and spoke to a representative who walked me through exactly what happens: 1. Once they receive your annual earnings report, it goes into their system for processing 2. The system automatically calculates whether you were over or under the limit 3. If you were under (like in your case), they issue what's called a "retroactive payment adjustment" 4. This comes as a separate deposit, usually within 30-60 days of processing your report The rep also told me that you can check the status online through your my Social Security account - there should be a section that shows pending actions or recent transactions. I've been checking mine weekly and it shows "Annual Earnings Report - Processing" since I submitted mine in February. One thing that helped put my mind at ease: she confirmed that you WILL get every penny back that was incorrectly withheld, plus they'll adjust your ongoing monthly benefits if needed. The system is actually pretty good about these calculations once it gets the correct information. Hope this helps ease some of your worry while you wait!

I really appreciate everyone's help here. I'm frustrated that I wasn't given complete information years ago, but at least now I understand I'll be eligible when I turn 60. That's still two years away, but it gives me time to plan. I'm going to gather all my documents and apply three months before my 60th birthday as suggested. And I'll definitely use that Claimyr service to avoid the phone frustrations. Thanks again everyone - this community has been more helpful than the actual SSA office was!

I'm so sorry for your loss and the frustration you've experienced with getting clear information. Unfortunately, this situation is more common than it should be. The SSA representatives sometimes don't explain all the options available, which can lead to years of missed opportunities. Just to add to the excellent advice already given - when you do apply at 60, make sure to ask about "deemed filing" rules. Since you'll be eligible for both survivor benefits and potentially your own retirement benefits in the future, understanding how these interact is crucial for maximizing your lifetime benefits. Also, keep in mind that survivor benefits aren't subject to the earnings test once you reach full retirement age, unlike regular retirement benefits. This could affect your decision about when to claim if you're still working. The fact that your husband worked for 31 years with good earnings should mean a decent survivor benefit for you. Hang in there - you're almost at the finish line!

Just to add one important detail: when you apply for disabled widow benefits under this policy, make sure to bring both your SSDI award letter and recent medical records. Even though they won't require a full medical review, they'll still want to verify your condition hasn't improved significantly since your original determination. Also, be prepared for the fact that the field office staff might not be familiar with the term "collateral estoppel" specifically. You might need to explain that you're referring to the policy that allows them to use your existing disability determination for your widow's claim. Some offices are more up-to-date on policy changes than others.

I want to thank everyone who's shared their experiences and knowledge here. As someone who's been putting off applying for disabled widow benefits because I was dreading another medical review process, this thread has been incredibly informative and encouraging. It's frustrating that SSA doesn't do a better job communicating these policy changes - I had no idea about the collateral estoppel option until I saw it mentioned at my support group. But I'm grateful for communities like this where we can share information and help each other navigate this complex system. I'm definitely going to move forward with my application now. Based on everyone's advice, I plan to schedule an in-person appointment, bring all my SSDI documentation, and specifically explain that I'm requesting consideration under the collateral estoppel policy. Fingers crossed it goes smoothly! For anyone else in a similar situation - don't let fear of the process stop you from applying if you might be eligible. It sounds like this policy change really has made things easier for people who already have established disability determinations.

Quick update: SSA just published a new form specifically for Fairness Act GPO/WEP administrative waivers - Form SSA-545-F. It's streamlined for exactly this situation and specifically cites the Emergency Message guidelines. If you haven't submitted your waiver yet, use this form instead of the general waiver form. You can download it from ssa.gov or pick it up at your local office.

I'm so sorry you're going through this nightmare! As a new member here, I wanted to share that I'm dealing with a very similar situation - my late husband was a federal employee and I'm now facing a $4,800 overpayment demand after they reduced my survivor benefits by 75% due to his federal pension I receive. What's really helped me is connecting with other survivors in similar situations. There's actually a Facebook group called "GPO/WEP Survivors United" where hundreds of us are sharing resources and supporting each other through this mess. Many members have successfully gotten their overpayments waived using the strategies mentioned here. One thing I learned from the group is to document EVERYTHING - save all your correspondence with SSA, take screenshots of their website advice, keep records of every phone call (date, time, who you spoke with). This documentation becomes crucial for your waiver request. Also, don't let them intimidate you with collection threats. You have rights, and the emergency message Ethan mentioned is real - several group members have already had success with it. Stay strong and keep fighting!