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If I could give 10 stars I would If I could give 10 stars I would Such an amazing service so needed during the times when EDD almost never picks up Claimyr gets me on the phone with EDD every time without fail faster. A much needed service without Claimyr I would have never received the payment I needed to support me during my postpartum recovery. Thank you so much Claimyr!
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Has anyone actually received their adjusted payment yet? I'm seeing a lot of rumors but few confirmed cases. Also, does anyone know if we need to file anything or provide documentation, or is SSA handling this entirely on their end?
My dad called yesterday (finally got through after trying for a week) and the agent told him they're not accepting any documentation or applications for the WEP adjustment. She said everyone affected will get a letter with their specific timeline and all changes will be automatic. But she couldn't give any dates.
UPDATE: I just checked my my Social Security account online and there's a new notice posted! It says my benefit recalculation is scheduled for next month and explains that I'll receive two separate deposits: one for the ongoing adjusted amount and another for retroactive payments going back to my original application date. They're calculating everything with all applicable COLAs! So excited to finally get the full amount I earned after paying into the system for 22 years alongside my teaching career. For those still waiting, keep checking your online account - seems they're updating information there before sending physical notices.
That's fantastic news! I just checked mine and don't see anything yet, but this gives me hope. What day did the notice appear? I wonder if they're rolling them out gradually throughout the month.
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To answer your original question about PENALTIES - YES there are penalties beyond just paying back the money!! If they decide you "knowingly withheld information" (which they LOVE to claim), they can impose a penalty of an ADDITIONAL 50% of the overpayment amount!!! And they can also impose a 6-month or 12-month SUSPENSION of benefits even after you'd otherwise be eligible again!! And don't count on that payment plan being reasonable - they wanted $200/month from me on a $6000 overpayment which I COULDN'T AFFORD after losing my SSI!! Sorry to be so negative but I went through HELL with this exact situation and I'm still dealing with the fallout a year later.
While penalties do exist, they're typically reserved for cases of proven fraud, not honest mistakes or reporting delays. Based on what OP has shared, they're being forthcoming and planning to report everything on their redetermination, which greatly reduces the likelihood of penalties beyond repayment. Regarding payment plans, SSA policy states they should not create financial hardship. If they requested $200/month and that was unaffordable, you had the right to negotiate a lower amount with supporting documentation of your expenses. Many people successfully negotiate plans as low as $10-25/month.
Update: I called my local SSA office this morning and got nowhere - just an automated message saying they're experiencing high call volumes (as usual). I think I'm going to try that Claimyr service someone mentioned because I really need to talk to a real person before I submit these forms. In the meantime, I've gathered all my paystubs and printed out my bank statements. I've also started researching Michigan's Freedom to Work program. The monthly premium seems reasonable compared to losing coverage completely. I'm still nervous but feeling a bit more prepared. Thanks to everyone who shared their experiences and advice!
good luck! hope it works out for you
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IMPORTANT: Make sure you understand that once you file, your benefit amount is pretty much locked in (except for COLAs). That's why getting the timing right is so important! I filed too early and regret not waiting a few more months to get a higher amount. You CANNOT go back and change your filing date once benefits start!
That's not entirely accurate. Within the first 12 months after filing, you can withdraw your application (Form SSA-521), repay all benefits received, and then reapply later. It's essentially a do-over. However, you can only do this once in your lifetime. Beyond 12 months, your filing decision is indeed permanent.
Thank you all for the helpful information! Based on everything shared here, I think I'm going to wait until March 2025 to file. That will give me 9.7% in delayed retirement credits (16 months past my FRA) AND ensure my 2024 earnings are properly included in my benefit calculation. I'm going to spend some time reviewing my earnings history to confirm that my partial 2024 year will actually improve my benefit amount by replacing one of my lower-earning years. Then I'll use that Claimyr service to connect with SSA and double-check everything before I file. I really appreciate all the advice!
Sounds like a well-thought-out plan! The extra couple months of waiting will give you both additional delayed retirement credits and ensure your 2024 earnings are properly counted. Good luck with your retirement!
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do u need to wait till august tho?? my friend applied in the same month he stopped working and it was fine
There's actually a good reason to wait at least one month after stopping work before applying. Social Security benefits are paid the month after they're due, and you need to be eligible for the full month to receive benefits for that month. So if you stop working June 30th, July would be your first full non-working month, making August the first month you'd receive a payment.
Thanks everyone for the helpful responses! I'm going to try to reach SSA to confirm my specific situation, but it sounds like the First Year Monthly Test could really help me. I'll make sure to document my work stoppage date and keep track of any special payments. This community has been so helpful!
Glad we could help! One last tip: when you do reach SSA, ask them to document in their system that you're invoking the First Year Monthly Test. Also request a written explanation of how your benefits will be calculated with this rule applied. Having it in writing will protect you if there are any questions later.
Madison Allen
My neighbor was in construction too, waited til 67 to retire and had a heart attack 3 months later!!! Spent his last year in and out of hospitals. What good did those extra dollars do him? NONE. The system is rigged to make us work ourselves to death.
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Victoria Scott
•I'm very sorry about your neighbor. While anecdotes like this are powerful, it's important to balance them with comprehensive planning. Each person's health situation, financial needs, and family longevity is different. That said, quality of life considerations should absolutely factor into retirement timing decisions. A balanced approach considers both financial security and well-being.
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Katherine Harris
One thing no one's mentioned yet - have you considered the impact on your spouse if something happened to you? If you claim early and pass away before her, her survivor benefit would be based on your reduced amount (though there are some special rules that might apply). If you think she might rely on your benefit as a survivor someday, waiting for a higher amount might be worth considering. On the other hand, if she'll always use her own higher benefit amount, then this is less of a concern. Just something else to factor into your decision.
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Sophia Clark
•That's a really important point I hadn't thought about. Given the health issues in my family history, the survivor benefit could matter. Though as you said, her own benefit is substantially higher than mine would be even at FRA, so she'd probably continue on her own benefit if I passed first. But definitely something to consider in the overall picture.
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