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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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An incredibly helpful service! Got me connected to a CA EDD agent without major hassle (outside of EDD's agents dropping calls – which Claimyr has free protection for). If you need to file a new claim and can't do it online, pay the $ to Claimyr to get the process started. Absolutely worth it!
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Used this service a couple times now. Before I'd call 200 times in less than a weak frustrated as can be. But using claimyr with a couple hours of waiting i was on the line with an representative or on hold. Dropped a couple times but each reconnected not long after and was mission accomplished, thanks to Claimyr.
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I tried calling SSA to ask about something similar and couldn't get through after 3 DAYS of trying!!! Their phone system is USELESS!!! Kept saying "high call volume" and disconnecting me. WHAT A JOKE! If you're really considering this strategy you NEED to talk to an actual SSA rep to understand all the implications, not just random internet strangers!
I had the same problem trying to call about my disability review last month! Found out about this service called Claimyr from another thread here that gets you through the phone system. Costs money but it worked - they got me an agent in 20 minutes when I had been trying for days. Their website (claimyr.com) has a video showing how it works. For something this important, might be worth it.
has anyone done the math on this? like actually calculated if you come out ahead? I mean, if you take $2,450 x 12 = $29,400 for the year then have to pay back based on the formula ($110,000 - $22,320) / 2 = $43,840 you'd owe more than you received? am i missing something?
Your math is correct. With the numbers provided, they would withhold approximately $43,840, which exceeds the annual benefit amount of $29,400. This means SSA would recover the full year's benefits and continue withholding from the following year's payments until they've recouped the full amount. This is why this strategy doesn't work mathematically at higher income levels - you end up owing more than you receive, creating a deficit rather than any advantage.
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has she checked out the state medicaid? my sister got on that while waiting for disability and it covered all her heart meds and doctor visits. the income limits are pretty low but if shes not working much might qualify???
This is good advice. Medicaid eligibility varies by state, but it's definitely worth checking. Some states have expanded Medicaid coverage for adults with limited income. There are also prescription assistance programs like GoodRx or NeedyMeds that might help reduce medication costs significantly.
To address your question about whether she should have avoided applying for retirement: Unfortunately, that's a complicated cost-benefit analysis everyone in this situation needs to make individually. Pros of taking early retirement during SSDI appeal: - Immediate income - Possible Medicare eligibility after 24 months Cons: - Permanently reduced benefits if SSDI claim ultimately fails - Slightly complicates the disability case There's no clear right answer. About 45% of SSDI claims are approved at the ALJ hearing level, but that means many are still denied. The backlog for hearings is currently 12-18 months in most areas. If her condition is deteriorating without proper medical care, getting treatment through work insurance might actually strengthen her case by documenting her conditions better. Just make sure she doesn't push herself to the point of serious harm trying to maintain a job she truly cannot do.
That makes sense. I think at this point, her priority has to be getting the cardiac care she needs. Hopefully, the documentation from these new doctor visits will actually strengthen her case by showing how serious her condition is. Thank you for the balanced perspective.
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Thanks everyone for the helpful information! I'll definitely check my earnings record and make sure all my substantial earnings years are counted correctly. I did have some summer jobs and a few years of part-time work while teaching that might help. I'll also request the detailed WEP calculation and see if there are any errors. It's still frustrating to lose so much of my Social Security after paying into it for years, but at least I understand the rules better now.
anyone know if WEP applies if you switch to disability??? my teacher friend got SSDI and thinks she avoided WEP somehow?
WEP does apply to SSDI (Social Security Disability Insurance) just like it applies to retirement benefits. However, there's a disability freeze provision that sometimes results in a different calculation. Also, if someone receives a disability pension from teaching instead of a regular pension, different rules might apply. Your friend should double-check her specific situation with SSA.
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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!
thats great news! glad u got more $$ coming. its so confusing when u have both pension and ss benefits!
Ethan Clark
my cousin waited til last week of deadline to file reconsideration and then his internet went out! ended up having to drive 2 hours to nearest SSA office that had appointments! dont wait!
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Zara Shah
One more thing I forgot to mention - make sure you're seeing doctors who are willing to fill out an RFC (Residual Functional Capacity) form for you. That carries a lot more weight than just regular medical records. Your neurosurgeon might be willing to complete one after your consultation. This was a game-changer for my case after my initial denial.
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Sean Flanagan
•I've never heard of an RFC form before. Is that something I can download and bring to my doctor?
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Luca Ferrari
•Yes, you can find RFC forms online, or the SSA can provide one. It's essentially a detailed form where your doctor documents exactly what you can and cannot do physically (sitting, standing, lifting, etc.). Since the SSA denied you because they think you can return to your previous work, having your doctor specifically address why you cannot perform those job duties on an RFC form is extremely valuable evidence.
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