Thank you all for the helpful responses! I've taken notes on everything. I'm going to help my husband apply for retirement benefits about 3 months before his birthday in June, and I'll specifically ask about spousal benefits too. I'll also double-check about the Medicare continuation - sounds like that should continue, but I want to make sure there's no gap in coverage. I might try that Claimyr service since it seems impossible to get through to SSA otherwise. The peace of mind would be worth it to make sure everything transitions smoothly. I appreciate everyone's help and experiences! This community has been so much more helpful than my hours of waiting on hold.

Just wanted to add a few key points that might help with your planning: 1. **Timing is crucial** - Apply exactly 3 months before his 62nd birthday in June. This ensures no gap in benefits and gives SSA time to process everything smoothly. 2. **Bring documentation** - When you apply (whether online or in person), have his SSI award letter, Medicare card, and your Social Security statement ready. This speeds up the process significantly. 3. **Consider waiting if possible** - While I understand you need the income, remember that taking retirement at 62 means a permanent reduction of about 25% compared to his full retirement age benefit. If his health allows and you can manage financially, even waiting a year or two could mean hundreds more per month for life. 4. **Medicare continuation is almost certain** - Since he qualified for Medicare through disability (not age), this should continue seamlessly. The 24-month waiting period he already completed won't reset. 5. **Get it in writing** - When you do speak with SSA, ask them to document in writing that his Medicare will continue during the transition. This can help if there are any computer glitches later. Good luck with everything! It sounds like you're being very proactive about this transition.

just make sure you have all your paperwork in order!!! my friend said SSA required birth certificates school records medical records custody papers proof parents weren't supporting them it was a HUGE hassle

I'm in a somewhat similar situation with my nephew, though not quite as complex. One thing I learned from my experience is that you should also check if your state has any additional support programs for kinship caregivers. Some states offer financial assistance or services specifically for grandparents raising grandchildren, separate from Social Security benefits. Also, when you do talk to SSA (whether through Claimyr or other means), ask specifically about the "dependency" requirement and what documentation they'll need to prove the children were dependent on your household before your husband's death. Since you've had custody for 8 years and your husband was alive for 5 of those years, you should have tax returns showing them as dependents during that time, which is key evidence. The potential monthly benefit for both kids could really make a difference in your situation. Even if it's a hassle now, it could provide financial stability through their remaining school years.

they usually add it automatic when your husband files but sometimes they mess up. make sure u call them right after he files to check.

I'm in a very similar situation and this thread has been incredibly helpful! I'm 65 and took my benefits early last year, and my husband is 66 and still working. He's planning to wait until his FRA next year to file. One thing I learned from my local SSA office (after finally getting an appointment) is that it's really important to keep good records of both your earnings histories and any correspondence with SSA. They told me that sometimes the spousal benefit calculations can get delayed if there are discrepancies in their system. Also, for what it's worth, I used the SSA's online benefit estimator tool on their website (ssa.gov/benefits/retirement/estimator.html) to get a rough idea of what our combined benefits might look like under different scenarios. It's not perfect but it helped me understand the numbers better than trying to do the math myself. Thanks to everyone who shared their experiences - it's so much more helpful to hear from people who've actually been through this process!

Pro tip: if you can't get through online, try calling your local SSA office instead of the main number. Sometimes they can help you over the phone or set up an in-person appointment if needed. Google 'SSA field office locator' to find the closest one to you.

I had this exact same issue a few months ago! It turned out my account had some kind of verification flag that was causing the loop. What finally worked for me was calling the SSA technical support line (1-800-772-1213) and specifically asking to speak to someone in the "online services" department. They were able to reset something on their end that fixed the login issue immediately. The whole call took about 30 minutes once I got through. Definitely mention that you've already tried different browsers and clearing cache - that shows you've done the basic troubleshooting steps.

One more thing to add - make sure you understand exactly how much you'll get after GPO. The calculation is: 50% of your husband's Primary Insurance Amount MINUS (2/3 × your teacher's pension). So if your husband's PIA is $2,300, half of that is $1,150. Then if your pension is $1,875, two-thirds of that is $1,250. So $1,150 - $1,250 would mean zero benefit. But if his PIA is higher than what he receives, you might get something. The SSA can calculate this precisely for your situation.

Just wanted to share my experience as someone who went through this process recently. I was a school librarian for 35 years and applied for spousal benefits last fall at age 78. The good news is that yes, you can absolutely get retroactive benefits for up to 6 months if you were eligible during that period, which you definitely were. When I applied, I specifically asked for retroactive benefits back to my eligibility date, and they approved it. The SSA worker was very clear that I needed to request it - it's not automatic. After the GPO reduction (2/3 of my pension), I ended up with about $180/month, which was more than I expected because my husband had delayed his benefits past FRA so his PIA was higher. My advice: apply in person if possible, bring all your documents, and don't let them discourage you about the GPO until they run the actual numbers. Sometimes the calculation works out better than you think, especially if your husband's PIA is higher than his current benefit amount. Good luck!