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I think it depends on your local office tbh. Some are better than others. I've had to deal with SSA for my dad's benefits and everything was a mess. But then when I applied for my own retirement benefits it was super smooth. One thing no one's mentioned yet - if you can't find the originals but have copies, sometimes they'll accept those if they can verify the information in their system. Worth asking about!
Update: I finally got through to someone at SSA using that Claimyr service someone recommended. The agent checked my record and said they can see my husband's death is recorded in their system, but they'll still need me to bring the original marriage certificate to verify our relationship. At least I only need to track down one document instead of all of them! Thanks everyone for your help and advice.
That's great news! Glad you were able to get a clear answer. Just remember to bring your own identification as well (driver's license, etc.) when you go to your appointment. And make sure to arrive early - some offices are still understaffed and lines can be long.
wait so can someone explain if the income cap is different from the tax cap? Do you stop paying SS tax after a certain income? sorry im confused
They're actually the same thing. The income cap (officially called the contribution and benefit base) is $175,500 for 2025. This means: 1. You only pay Social Security taxes on income up to this amount 2. Only income up to this amount counts toward your future benefit calculation So once you earn more than $175,500 in a year, you stop paying the 6.2% Social Security portion of FICA taxes (though you still pay the 1.45% Medicare portion, which has no cap).
Thanks everyone for the helpful information! Based on all your advice, I'm going to recommend my wife go ahead with the equipment purchase before year-end. Seems like there's really no Social Security advantage to reporting income above the $175,500 cap, and the immediate tax savings will definitely outweigh any potential SS benefit.
Regarding your question about working while receiving benefits: If you're earning significantly more than the earnings limit ($22,560 in 2025), you might want to consider waiting. However, there's something important to understand about the earnings test. Any benefits withheld because of your earnings aren't truly "lost" - when you reach FRA, SSA will recalculate your benefit amount to credit you for the months when benefits were withheld. To make the best decision, you should calculate: 1. How much your survivor benefit would be at 60 (SSA can tell you this) 2. How much would be withheld based on your expected earnings 3. How much your own retirement benefit will be at FRA Sometimes it still makes financial sense to claim early even with the earnings test, especially since your own benefit continues to grow separately.
I'm in a similar boat but I'm already 63. My ex died and I was going to claim his benefits but the SS office said mine would be higher soon anyway so it wasn't worth the hassle for me. Every situation is different tho!
Have you looked into seeing if there's any way to roll your PERS into an IRA? I have a friend who worked for Missouri government and she said she was able to do something like that which somehow avoided the GPO. Not sure if it would work the same with CalPERS though.
This is incorrect information that could cause serious problems. Rolling a government pension into an IRA does NOT exempt you from GPO. SSA specifically closed this loophole in 2004 with stricter regulations. They will still apply GPO based on the pension you would have received. Please be careful about financial moves based on outdated information.
im so confused about all this pension stuff my wife gets her teacher pension and still has her ss but maybe thats bcuz she was a teacher in tennessee? do different states have different rules about this gpo thing??
The GPO/WEP rules are federal rules that apply nationwide, but their impact varies based on whether your wife paid into Social Security during her teaching career. In some states, teachers pay into Social Security and their pension system, while in others (like California, Texas, and several more), they only pay into the pension system. If your wife paid Social Security taxes on her teaching earnings, she would be less affected by these provisions.
Ella Harper
In my experience, yes, it worked great. I was skeptical too but was desperate after trying for days to reach someone. Got connected in about 15 minutes when I'd been unable to get through at all on my own.
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Abigail Spencer
Thanks everyone for the helpful advice! I've decided to go ahead with my phone interview as scheduled rather than postponing it. I'll make sure to mention the WEP situation during the call so it's documented, but won't expect them to process that adjustment manually. I'm a bit nervous about the overall confusion at SSA with all the WEP adjustments happening, but it sounds like delaying would just put me further back in line for the divorced spousal benefit without actually helping the WEP situation. I'll update after my February appointment if anything interesting comes up!
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Ruby Blake
•That's definitely the right approach. One final tip: During your phone interview, request an email confirmation of what was discussed and what next steps are expected. This creates a paper trail that can be valuable if there are any issues later. Good luck!
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