For the Mary Kay business, Social Security looks at your profit (revenue minus expenses) as reported on your Schedule C. This is considered self-employment income. For 2025, if you're receiving benefits before FRA, you'll be subject to the earnings limit (approximately $22,320 for the year). One important detail: Self-employment income counts when you receive it, not when you earn it. So if clients pay you in December 2025, that counts for 2025 even if the work was for January 2026. Regarding when to apply, the optimal time is 3 months before you want benefits to begin. You can specify a start date in your application, so you can apply before you retire and have benefits begin afterward.

I'm in a similar boat - turning 65 next year and trying to navigate all these decisions! One thing I learned from my financial advisor is to run the break-even analysis between taking benefits at 65 vs waiting until FRA. In my case, if I live past age 78, I'll come out ahead by waiting until 67. But everyone's situation is different based on health, other income sources, and financial needs. For your vacation payout, definitely factor that into your calculations for the year you retire. I'm planning to take my vacation time as actual time off before retiring instead of a lump sum payout to avoid the earnings limit issue entirely. Also, since you mentioned feeling lost about timing - the SSA website has a retirement estimator tool that can help you see exactly how much your monthly benefit would be at different claiming ages. It really helped me visualize the trade-offs!

dont forget about checking if your state has any widow assistance programs too! some states have emergency funds or special programs. worth looking into while waiting for SS benefits

I'm so sorry you're facing this difficult situation. As someone who works with Social Security cases, I want to add a few important points that might help with your planning: First, make sure to verify that your marriage duration meets SSA requirements - you need to have been married for at least 9 months before your passing for your wife to qualify for survivor benefits (there are some exceptions for accidental death). Second, consider having your wife create her my Social Security account online NOW if she hasn't already. This will make it much easier for her to track benefits and apply when the time comes. Also, if your wife decides to work more hours to compensate for lost income during that 8-year gap, remind her that higher earnings now could increase her own Social Security retirement benefit later. The SSA uses your highest 35 years of earnings, so additional work years might replace some lower-earning years in her calculation. Finally, don't overlook potential benefits from other sources during the gap - things like your employer's life insurance, 401k survivor benefits, or even COBRA health insurance continuation might help bridge that period until she can claim Social Security survivor benefits. Wishing you and your wife strength during this challenging time.

my cousin works for ssa she says most ppl mess up paperwork when they apply and it delays benefits for months

As someone just starting to research this myself, I've found the AARP Social Security calculator really helpful for getting a baseline understanding of different scenarios. It's free and walks you through the basics before you dive into the more advanced tools others have mentioned. I'd also suggest checking if your local library offers free financial planning workshops - ours had a "Social Security Maximization" session that covered spousal strategies with real examples. Sometimes having someone explain it in person makes all the difference when you're trying to wrap your head around all the variables.

One more important point: If you find you are eligible for a small survivor benefit after the GPO reduction, you should know that you would receive your own benefit PLUS the additional survivor amount. You don't have to choose one or the other - if your survivor benefit after GPO would be higher than your current benefit, you'd receive your current benefit plus the difference. This is why it's definitely worth having SSA do the calculation.

I'm so glad you're looking into this now! As someone who went through a similar situation with my late spouse's benefits, I can tell you that the initial advice you received was unfortunately not uncommon - SSA representatives sometimes give oversimplified answers about WEP/GPO without doing the detailed calculations. Here's what I'd recommend for your appointment: 1. Bring certified copies of all documents (death certificate, marriage certificate, your pension award letter) 2. Ask them to calculate BOTH scenarios - your current benefit vs. potential survivor benefit after GPO 3. Request they show you the math on paper so you can understand exactly how they arrived at their conclusion 4. If there's any benefit due, ask about retroactive payments (even if limited to 6 months) Given that your numbers are so close to the GPO threshold, even small differences in the actual calculations versus your rounded estimates could make you eligible for some monthly benefit. The worst they can say is no, but you'll have peace of mind knowing you explored every option. Good luck!

When I called Claimyr to get connected to Social Security for my situation, the agent I spoke to mentioned that hospital social workers can help file something called a "dire need" request to expedite SSDI processing. Has anyone done this successfully? Might be worth asking about given the hospitalization.

I'm so sorry your family is going through this difficult situation. As someone who has navigated SSDI with a family member, I wanted to add a few practical tips that might help his kids right now: 1. **Document everything** - Keep a detailed log of his symptoms, medications, hospitalizations, and how the condition affects his daily activities. This will be crucial for the SSDI application. 2. **Contact his previous employers** - They'll need his work history and earnings records. The trade show company might have documentation of any work limitations he experienced before hospitalization. 3. **Ask hospital staff about discharge planning** - They should be coordinating with social workers about his ability to return to work and live independently. Get copies of all these assessments. 4. **Consider getting help from a disability attorney** - Many work on contingency (no fee unless you win) and can navigate the complex process while the family focuses on his health. The combination of his age, documented mental health crisis, and inability to work creates a potentially strong SSDI case. The key is getting all the paperwork and medical evidence organized while he's still receiving treatment. Wishing your family strength during this challenging time.