One strategy some people use if they're close to another year of substantial earnings is to work part-time in Social Security covered employment to reach another year threshold. Each additional year between 20-30 reduces your WEP penalty by about 5%. If you're only 1-2 years away from 30 years, it might be worth considering working a bit longer to significantly reduce or eliminate the WEP impact.

I went through this exact situation about 6 months ago! I also had around 22 years of SS-covered work plus a state pension. The harsh reality is that WEP will definitely apply regardless of when you claim - FRA doesn't protect you from it. Based on what others have shared here about the sliding scale, with 22 years you're probably looking at around a $300-400 reduction rather than the full $612 maximum. I'd strongly recommend getting your exact WEP calculation from SSA before making your final decision. Also, double-check that all 22 of your years actually meet the "substantial earnings" threshold - I discovered one of my early years didn't qualify, which changed my calculation. The good news is that even with WEP, you'll still get a significant benefit, just not the full amount you were initially expecting.

Based on all the advice here, I'd suggest applying in August 2024 for your January 2025 start date. That gives you 5 months, which should be plenty of buffer for any processing delays. And don't forget to create your my Social Security account online before you apply if you haven't already - it makes the whole process much smoother.

One thing I'd add that hasn't been mentioned - make sure you have your most recent W-2 or tax return handy when you apply. SSA uses your earnings record to calculate your benefit amount, and sometimes there can be discrepancies that need to be resolved. I discovered when I applied that one of my employers from a few years back hadn't reported my earnings correctly, which delayed my application by about 3 weeks while they sorted it out. You can actually check your earnings record online through your my Social Security account before applying to make sure everything looks accurate. Better to catch any issues early rather than have them pop up during processing!

just wondering but what happens with medicare in this scenario? do u still sign up at 65 even if ur not taking ur own benefits yet? i get so confused with all these different rules!!

I'm in a very similar situation - my spouse passed away 3 years ago and I'm approaching 65 while still working full-time. This thread has been incredibly helpful! One thing I want to add based on my research: make sure you understand the "deemed filing" rules. Before your full retirement age, SSA might automatically file you for both benefits even if you only want one. But once you reach your survivor FRA (which sounds like 66 years and 8 months for you), you can file a "restricted application" for survivor benefits only. I'd also recommend getting a written confirmation from SSA about your filing strategy before you submit anything. The stories about applications being processed incorrectly are really concerning. Has anyone here successfully gotten written confirmation of their restricted application strategy before filing?

i was just thinking... have you checked if you can get survivors benefits now? i thought there was something about benefits for widows taking care of kids or something

I'm so sorry for your loss. As others have mentioned, your survivor benefit at 60 won't be the same as your daughter's was. Here's what might help with your planning: you can create a my Social Security account online and request a benefit estimate. While it won't show survivor benefits directly, you can call SSA with your husband's Social Security number and they can give you a projection of your potential survivor benefit amount at different claiming ages. One thing to keep in mind - if you're planning to work part-time after claiming at 60, make sure to factor in the earnings test. But here's something that might help: you can claim survivor benefits and still let your own retirement benefit grow with delayed retirement credits until age 70. If your own benefit would be higher by then, you could switch. This strategy gives you some income at 60 while potentially maximizing your long-term benefit. I'd recommend scheduling an appointment with SSA to run the actual numbers for your situation. They can show you exactly what to expect at different claiming ages and help you make the best decision for your financial future.

One last thing about the SSDI application - make sure your doctor includes detailed notes about your physical limitations and how the cancer and treatment affect your ability to work. Mention specific job requirements you can no longer meet (standing/walking requirements, lifting restrictions, cognitive issues from chemo, etc). This strengthens your case tremendously. Wishing you the best with your treatment and hoping for a full recovery.

I'm really sorry to hear about your diagnosis. As someone who went through the SSDI process with my late husband, I wanted to add that you should also gather all your medical records now while you have the energy. The SSA will request them anyway, but having copies ready speeds things up. Also, don't be discouraged if your initial application gets denied - that's unfortunately common even with serious conditions like cancer. If that happens, request a hearing immediately. The approval rates are much higher at the hearing level. Your wife is smart to think ahead about this. The survivor benefits will definitely help her financially when the time comes. Take care of yourself and focus on your treatment.