ANYONE else notice how IMPOSSIBLE it is to get correct information from SSA these days?!?! I swear every rep tells you something different! My neighbor filed last year and got told THREE different things about how her pension would affect her SS benefit! The whole system is a mess!!

to answer that other persons question YES u can wait to take survivor benefits even if already getting ur own. my sister was getting her own SS when her husband died last year and the SS person told her she could wait til her FRA to switch to survivors to get the full amount. shes 63 now and waiting til 67 to switch

One other thing to consider - will your current spouse's benefit be higher than what you'd get from your ex's record? If so, you might want to just stick with that when you reach full retirement age. SSA won't necessarily tell you which option is better financially, so you need to ask specific questions about potential amounts. I almost missed out on thousands by not comparing my options!

One more important note: survivors benefits can be claimed as early as age 60 (unlike retirement benefits which start at 62), but taking them early will permanently reduce the monthly amount. At 62, you'd receive about 81.2% of what you'd get at your full retirement age. Sometimes it makes financial sense to claim survivor benefits early and then switch to your own retirement benefit later (or vice versa). This strategy can maximize your lifetime benefits.

To give you some concrete numbers about WEP, with 23 years of substantial earnings, your WEP reduction won't be the full amount. The maximum WEP reduction for someone reaching 62 in 2025 is about $613 per month, but with 23 years of substantial earnings, your reduction would be significantly less - about 70% of that maximum. Delaying until 70 still increases your WEP-reduced benefit by 8% per year beyond FRA. Since GPO is likely eliminating most or all of your spousal benefit anyway, focusing on maximizing your own benefit might be your best strategy. Consider requesting a detailed benefit calculation from SSA that shows your WEP-adjusted amounts at different claiming ages. This will give you the specific numbers to make your decision.

i think everybody born after 1954 got screwed by that law change!! my brother in law was born in december 1953 and got to do the restricted thing but my sister missed it by 3 months. not fair!!

i went thru this with my mother last year!!! the SSA people told her she wasnt eligible but that was WRONG!! we had to talk to a supervisor to get it fixed. they kept saying she remarried but she NEVER did. if they give u trouble, ask for supervisor right away dont take no for answer.

One more thing to consider - if your mother is receiving any SSI (Supplemental Security Income) or other means-tested benefits in addition to her Social Security retirement, the increased income from survivor benefits could affect her eligibility for those programs. It's almost certainly still worth applying for the higher survivor benefit, but be aware there might be effects on other benefits she receives.

If you're determined to maximize what you can get, here's what I'd suggest: 1. Consider working part-time to earn those final 3 quarters. In 2025, you need to earn about $1,640 per quarter to get a credit. So that's around $4,920 total to get your 40 quarters. 2. Once you have 40 quarters, you'd be eligible for your own benefit (though it will be small and reduced by WEP), but it might be more than what you'd get as a spouse after the GPO reduction. 3. Request a detailed benefits calculation from SSA. They can run the numbers with and without the additional credits to help you make an informed decision. 4. Make sure SSA has your complete earnings record. Sometimes quarters from decades ago can be missing, and you might actually be closer to 40 than you think. Additionally, both WEP and GPO have maximum reduction amounts, so in some scenarios, it might be worthwhile to understand exactly how these would impact your specific situation.

I want to thank everyone for all this helpful information. I'm going to try that Claimyr service mentioned above to actually speak with someone at SSA without the endless waiting and disconnections. I'm also going to look into part-time work to get those last 3 quarters - even if the benefit is small, it sounds better than nothing. The whole GPO situation is really disheartening. I had no idea my teaching career would end up reducing benefits I might have received through my husband's record. I wish there had been better retirement planning resources specifically for teachers when I was younger. If anyone has had success getting benefits despite GPO or has found other strategies, I'd still love to hear about them!