what about if u wait til your full retirement age? would u get more money then? sometimes its better to wait i think....

I'm so sorry for your loss, and I completely understand the difficult position you're in with your family's reactions. As someone who's dealt with similar family dynamics around Social Security decisions, I want to encourage you to move forward with your application. Your family's emotional reactions, while understandable, don't change the legal and practical reality of your situation. You sacrificed career advancement during your 22-year marriage to support your family, and the Social Security system specifically recognizes this contribution through survivor benefits for divorced spouses. A few thoughts that might help with the family conversations: - Emphasize that this isn't about your feelings toward your ex-husband or "profiting" from his death - it's about financial security in retirement - Explain that these benefits exist because society recognizes the economic impact of career sacrifices made for family - Point out that your claiming benefits doesn't reduce anyone else's benefits The $800+ monthly difference between what you'd get on his record versus your own is substantial and could be the difference between financial stress and security in your later years. You've already confirmed your eligibility with SSA - now it's just a matter of following through. Your daughter and others may come around once they see this is simply you accessing benefits you're legally entitled to, not an emotional statement about your past marriage.

That's right, there's no benefit increase for delaying past 70. In my case, I'd be getting 3.5 years of delayed retirement credits if I wait from my retirement at 66.5 until 70. It's the sweet spot of getting the maximum possible benefit.

As someone who's been through this exact decision process, I'd suggest creating a spreadsheet to map out the total household income under both scenarios. When I was deciding between claiming at 67 vs waiting until 70, I found it helpful to calculate the cumulative difference over 5, 10, and 15 year periods. In your case, claiming at 66.5 gives you both benefits starting immediately - your full retirement age benefit plus your wife's $500 spousal increase. That's real money in your pocket for 3.5 years while you wait. The breakeven analysis gets complicated when you factor in the time value of money and what you could do with that extra $500+ monthly. Don't forget to also consider Medicare premiums - they're deducted from your SS benefit, and having that steady income stream can help with budgeting those costs. Since you're retiring from teaching, you probably have good health insurance options, but it's still worth factoring in. The peace of mind of having both benefits flowing can be worth something too. My wife and I decided to claim at full retirement age and we've never regretted having that financial security locked in.

I wonder if they'd make the repeal retroactive?? Like would we get back pay for all the years we should have been getting benefits? Probably not, knowing how the government works, but it would be nice!!

As a fellow educator who's been following this issue closely, I want to add that timing matters a lot here. The current Social Security Fairness Act (H.R.82/S.393) has more cosponsors than previous attempts, but it still needs to get through committee and floor votes in both chambers. For your specific situation with 36 credits, you're actually pretty close to the 40-credit threshold. If you have any other work periods where you paid into SS (even part-time jobs, substitute teaching in districts that pay SS taxes, etc.), those might push you over. It's worth double-checking your complete work history. Also, regarding Medicare Part B - if GPO repeal passes and you start receiving spousal benefits, SSA would automatically deduct your Part B premiums from your SS check, which many people find more convenient than paying separately. Just another small benefit to consider! The reality is that this affects millions of public servants, and the political pressure is building. While I can't predict if/when it will pass, the momentum does seem stronger than in previous years.

Update: I managed to get through to someone at SSA this morning! Used that Claimyr service someone mentioned and it worked great. The agent confirmed they were using my 2023 earnings to estimate 2024, but I was able to explain my reduced hours. They're sending me the SSA-795 form to complete and said they'll adjust my benefits for June. They also said I'll get back the excess they've already withheld once they process my paperwork. Thank you all for the helpful advice!

Great to hear you got it resolved! This is a perfect example of why the SSA-795 form is so important for anyone whose work situation changes after retirement. For others reading this thread who might face similar issues, here are a few additional tips: 1) Submit the form as soon as your earnings pattern changes, don't wait until they start over-withholding, 2) Keep detailed records of your hours and pay - even a simple spreadsheet helps, and 3) If you're approaching FRA like StarStrider, remember that the earnings test stops completely the month you reach full retirement age, so any excess withholding from earlier in that year gets refunded automatically. The system isn't perfect but it does work when you know which forms to use!

After reviewing all the responses, here's a practical summary: Contact SSA proactively to report your anticipated earnings. The reduction will be $1 for every $2 you earn above the limit. They may suspend payments for some months or reduce each payment until the amount is recovered. If you don't report it, they'll eventually find out through tax records and send you a notice of overpayment. The good news is that once you reach your Full Retirement Age, these earnings limitations disappear completely, and your benefit will be recalculated to give credit for the months benefits were withheld.

I'm in a similar situation and have been researching this extensively. One thing I learned is that SSA has a "grace year" policy for your first year of retirement - they only count earnings from the month after you start receiving benefits. Since you started in January, this might not apply to you anymore, but it's worth mentioning to others. Also, if you do end up with an overpayment, you can request a waiver if repayment would cause financial hardship. They'll consider your income, expenses, and assets. You can also appeal their earnings calculations if you think they made an error. The key is documentation - keep records of when you worked, what you earned, and any communications with SSA. One more tip: if this contract work is temporary and you'll be back under the limit next year, the reduced benefits now will actually increase your monthly payment slightly once you reach FRA, since they recalculate to account for the months they withheld benefits.