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I lost my wife to cancer about 4 years ago (she was receiving SSDI). I filed for survivor benefits when I turned 60 last year while working part-time at a hardware store. Recently I had to take on full-time hours which has put me over the earnings limit, so I'm only getting survivor checks for January and December when my hours are cut back. I'm completely confused about what happens to my survivor benefit going forward. Is the amount permanently frozen at what I'm getting now? I know my own retirement benefit keeps growing if I wait until 70 to claim it (which I'll need to do since I can't afford to retire earlier). But what about the survivor benefit? If I eventually reduce my work hours at 65 or 67, will the survivor amount increase or is it permanently set at the reduced 60-year-old rate? And do I still get to choose between my own benefit or survivor benefit when I hit 70? I'm worried I've locked myself into a permanently reduced survivor amount by claiming early.
After recently turning 65, I've been trying to map out my Social Security strategy for the next few years. My Full Retirement Age is 67 and 2 months. I was in a 22-year marriage that ended about 6 years ago, and I know my ex-husband's benefit would be substantially higher than mine (he was always the higher earner). I've heard about something called a "restricted application" where you can take one benefit first then switch to another later. Is it possible for me to claim my ex-spouse's benefit when I reach my FRA, but then switch to my own benefit at 70 when it's maximized with delayed credits? My own benefit at 70 would be higher than the spousal benefit, but I'm wondering if this strategy is even allowed anymore with the new rules. Has anyone successfully done this recently?
Yes, they said my own benefit at FRA would be about $2,650. So the ex-spousal benefit would be less than my own even at FRA. And waiting until 70 gives me an extra $800/month for potentially decades. Since I'm still working part-time and have some savings, I think I can make it work financially until 70.
That sounds like a solid plan given your numbers. The 8% per year delayed retirement credits between FRA and 70 are hard to beat as a guaranteed return. Just remember that if you're still working before FRA and decide to claim any benefits, you might be subject to the earnings test, which could reduce your benefits temporarily. After FRA, the earnings test no longer applies.
Great job getting all that information sorted out! Just wanted to add that you should also consider getting a my Social Security account at ssa.gov if you don't already have one. It'll show you projections of your benefits at different claiming ages and update annually with your latest earnings. Also, since you're planning to wait until 70, make sure to file your application about 3 months before your 70th birthday - benefits can't be paid retroactively beyond 6 months, so you don't want to accidentally lose any money by filing too late. The delayed retirement credits stop accumulating after age 70, so there's no benefit to waiting beyond that point.
Hello everyone, I'm planning to file for my Social Security retirement benefits next year and have a situation with my ex-husband that's confusing me. We've been divorced for about 8 years now. He worked for our state government his entire career (almost 30 years) and didn't pay into Social Security except maybe for some summer jobs when he was young. He's been collecting his state pension for about 3 years already. Since he doesn't qualify for SS on his own record, I'm wondering if he can claim ex-spouse benefits based on MY Social Security record when I start collecting? I worked in the private sector my whole career and paid into SS for over 35 years. This is keeping me up at night because I don't want my benefit amount to be reduced because of him. Any insights would be greatly appreciated!
Thank you all for the helpful explanations! I feel much better now understanding that my benefits won't be affected regardless of what my ex tries to do. And it sounds like because of the GPO, he probably wouldn't qualify for anything on my record anyway with his pension being so substantial. I appreciate everyone taking the time to explain all the technical details - Social Security rules are so complicated!
Glad we could help clarify things! Just remember that if your circumstances change (like if you're considering remarriage), it's always good to check how that might affect various Social Security benefits. And when you're ready to file for your own retirement benefits, be sure to create a my Social Security account online if you haven't already - it's the easiest way to track everything.
Just wanted to add one more thing that might be helpful - even though your ex probably won't qualify for benefits on your record due to GPO, he could still potentially file an application just to get an official determination from SSA. Sometimes people are surprised by the exact calculations, especially if their pension amount changes or if there are other factors involved. The worst case scenario is he gets a formal denial letter, but at least then he'd have definitive answers rather than assumptions. That said, based on what you've described with his $4,800 monthly pension, the math definitely suggests GPO would eliminate any potential benefit.
Hi everyone, I'm in a tough spot and need advice about Social Security timing. I'm 66 but still have another year before reaching my Full Retirement Age. I recently had major orthopedic surgery and am currently receiving NJ short-term disability benefits, which only last for 26 weeks. Based on my recovery progress, I don't think I'll be able to return to full duty when these benefits expire. I'm trying to figure out my best option: 1. Should I file for Social Security benefits early even though I'm planning to return to work full-time eventually? 2. My employer doesn't offer light duty alternatives during recovery 3. I can't afford to go without income when disability ends 4. I do have a 401k but really don't want to start withdrawing from that yet Has anyone been in a similar situation with disability benefits ending before being fully recovered? What options should I consider? Will taking SS early permanently reduce my benefit amount even if I suspend it later when I return to work?
Thanks everyone for the advice! After weighing all options, I think I'm going to: 1. Use that Claimyr service to actually speak with someone at SSA about my specific situation 2. File for SS retirement now to cover the gap when my NJ disability ends 3. Accept that there will be a permanent reduction, but it's better than draining my 401k 4. When I return to work, let them withhold benefits as needed based on my earnings The clarification about how they adjust the benefit at FRA for withheld months was really helpful. Still not ideal, but seems like the best option in my situation. I'll also check with my employer about whether long-term disability might kick in after my short-term benefits end, and look into the unemployment suggestion too. Every bit helps during recovery!
That sounds like a solid plan! You've clearly done your homework on this. One additional thing to consider - make sure to keep detailed records of your medical appointments and recovery progress. If your recovery takes longer than expected and you end up needing to apply for SSDI after all, having that documentation will be crucial for your case. Also, when you do speak with the SSA representative through Claimyr, ask them about the "do-over" rule (withdrawal of application). You have 12 months from when you first receive benefits to completely withdraw your application and pay back what you received, essentially getting a fresh start. It's rarely worth it financially, but good to know it exists as an option if your situation changes dramatically. Best of luck with your recovery! Taking care of your health is the most important thing right now.
I'm planning to claim SS benefits next year when I turn 63, but I still want to work part-time. I've checked and know I need to stay under the 2025 earnings limit (around $22,500 I think?) to avoid benefit reductions. My question is about my benefit calculation - I have about 5 years in my work history with zero income (was raising kids, then had health issues). If I work part-time earning maybe $19k per year while collecting benefits before my FRA, will these earnings replace those zero years in my 35-year calculation and potentially INCREASE my monthly benefit amount? And does it work differently once I reach my Full Retirement Age? I've heard the earnings limit goes away, but I'm not clear if working after FRA would still improve my benefit amount by replacing those zero years. This is confusing and the SSA rep I talked to gave me a really vague answer. Thanks for any insights!
One more thing worth mentioning - if you're married or divorced after a long marriage, make sure you're looking at spousal benefit options too. Sometimes that can provide a higher benefit amount depending on your spouse's earnings record. The calculations get more complex, but it's definitely worth exploring all your options.
I'm in a similar situation and have been researching this extensively! One thing I discovered that might help you is that the SSA website has a retirement estimator tool that can show you different scenarios. You can input various earnings amounts and see how they might affect your benefit calculation. Also, since you mentioned having zero years due to raising kids, you might want to look into whether any of those years qualify for "child care dropout years" - it's a provision that can exclude up to 3 years of low/zero earnings from your calculation if you were caring for a child under 16. Not everyone knows about this! The automatic recalculation that others mentioned is real - I've seen it happen for several people in my retirement planning group. Just keep good records of your earnings so you can verify the increases when they happen.
Connor Murphy
wait i'm confused... doesnt the earnings limit go away at 62? or is it 67? my brother is dealing with this too
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Ava Thompson
The earnings limit applies until you reach your full retirement age (FRA), which is between 66-67 depending on your birth year. At that point, you can earn any amount without reduction in benefits. There's no special rule at 62 - that's just the earliest age you can claim regular retirement benefits.
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Lena Schultz
I'm sorry for your loss, and I understand how confusing this whole situation can be. You're actually doing everything right! The key thing to remember is that even though your survivor benefit is reduced because you claimed at 60, you still have the flexibility to switch to your own retirement benefit later if it's higher. Since you're planning to wait until 70 for your own benefit, you'll get those delayed retirement credits that can make your own benefit significantly higher than the survivor benefit. The months where you don't receive survivor payments due to working aren't "lost" - you're still building up your own Social Security record during that time. One tip: keep track of your earnings each year and maybe consider using the SSA website to estimate what your benefit will be at 70. That way you can plan ahead and know for sure which benefit will be better when the time comes to switch.
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