

Ask the community...
Does anyone know if there's still talk in Congress about getting rid of WEP? I remember hearing something about a bill to reform or eliminate it a couple years ago but never heard what happened with that.
There have been several bills introduced over the years to modify or repeal WEP, but none have passed yet. The most recent was the Social Security Fairness Act, which would eliminate both WEP and GPO. It has bipartisan support but concerns about cost have prevented it from passing. There's also been discussion of a "proportional formula" approach that would modify rather than eliminate WEP. But as of right now, WEP remains in effect with no changes on the immediate horizon.
Update: I finally got through to Social Security! The representative confirmed what many of you said - my benefit will increase at 67 because the early claiming reduction will be removed, but the WEP reduction stays the same. In my case, she said my benefit should increase by about $275 per month. That's a significant boost for my budget, so I'm relieved! She also explained that since I have 12 years of substantial earnings, my WEP reduction is a bit less than the maximum. Thanks everyone for your help!
Thank you all for the helpful responses! I've learned so much. One last question - does anyone know if I need to do anything special when my husband's SSDI converts to retirement benefits next year? Will that change affect potential survivor benefits in any way?
No action needed when SSDI converts to retirement - it happens automatically and the payment amount stays exactly the same. There's no impact on future survivor benefits. The only thing I'd recommend is that both of you create My Social Security accounts online if you haven't already, so you can see your benefit amounts and estimates. Makes planning much easier.
THIS IS WHY I HATE THE SSA!!! Why is everything so confusing!? Why can't they just make it simple! My uncle lost out on thousands because no one told him he had to APPLY for survivor benefits when my aunt died! They should automatically give you the higher amount!
It is frustrating! When I was helping my sister with survivor benefits, we couldn't get clear answers until we finally got through to an actual SSA representative. After three days of trying, I used Claimyr (claimyr.com) to get connected quickly instead of waiting on hold for hours. Sometimes you just need to talk to a real person at SSA who can look at your specific situation.
Thank you all for the helpful responses! I was able to reset my password and log into my my Social Security account. Found the SSA-1099 under the Replacement Documents section just like you said. I printed it out and now I'm good to go with my taxes. Really appreciate everyone's help!
glad u got it! dont forget u might have to pay taxes on ur benefits if ur other income is high enough. my brother didnt know that and got a big tax bill surprise lol
have u tried going on the website mySocialSecurity to make appointment? they say u can do that now. I made mine that way last month but u might need to create account first
After reading through the comments, I want to emphasize something important about your specific situation. Since you mentioned your son recently started receiving benefits on his father's record as a disabled adult child (DAC), you may be in a special category. If you're providing care for a disabled adult child who receives Social Security benefits, you might qualify for what's called a "mother's or father's benefit" even though your child is an adult. This is different from your divorced spouse benefit and they can sometimes be payable simultaneously, subject to family maximum rules. When you finally get your appointment, make sure they calculate BOTH: 1. Your divorced spouse benefit (potentially up to 50% of your ex's PIA) 2. Your potential caregiver benefit for your disabled son Bringing documentation of your caregiving responsibilities will be crucial. The technical term SSA uses for this is "in-care" requirement for mother's/father's benefits. Many representatives don't fully understand these complex rules where divorce, disability, and caregiving intersect.
This is incredibly helpful - I had no idea I might qualify for a separate benefit as his caregiver! He does have significant disabilities and requires daily support. I'll definitely bring documentation of his care needs. Would medical records be enough, or do I need something specific showing I'm his caregiver?
Medical records are good, but also bring any legal guardianship papers if you have them, documentation of living arrangements, and perhaps a letter from his doctor specifying his care needs and your role. The more documentation you have about your caregiving responsibilities, the stronger your case will be. SSA needs to see that you're providing ongoing care and supervision, not just occasional help.
Reina Salazar
Does anyone know if they send you a warning before they start taking money back? My husband got overpaid last year because they didn't process his earnings information correctly and we just got a surprise letter saying we owe $4700 back!!! No warning at all. Now we're fighting with them about a payment plan.
0 coins
Mae Bennett
•They're supposed to send you a notice before adjusting benefits, but sometimes the notices arrive after they've already started the adjustment. If you're concerned about a potential overpayment, you can proactively contact them to report earnings and request that they adjust benefits accordingly. For the existing overpayment, definitely request a formal payment plan - they can set up very reasonable terms if you explain your situation.
0 coins
Demi Lagos
I think you're focusing on the wrong thing here. The real issue isn't just May - it's that your husband is claiming before his FRA which is permanently reducing his benefit amount. At 66 in 2025, he's about 10 months early (assuming born in 1959). That's roughly a 5.56% permanent reduction in benefits. If his benefit is $2,500, that's $139/month FOREVER. Has he considered working until his FRA to get the full benefit amount?
0 coins
Pedro Sawyer
•We've actually done quite a bit of calculation on this. With his health history and family longevity, the break-even point would be around age 82. We decided the earlier benefits made more sense for our specific situation, even with the reduction. But that's a good point that others reading should definitely consider!
0 coins