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You guys are all confusing me more!!! So is it better to take SS at 65 or wait?? I'm in the same situation retiring next year and now I don't know what to do!!!
There's no one-size-fits-all answer. Delaying will mathematically increase your benefit (about 7-8% for each year you delay until FRA, then 8% per year after FRA until 70). Whether that's "better" depends on your health, other income sources, expected longevity, and immediate cash needs. The break-even point is typically around age 80 - if you expect to live beyond that, delaying often makes financial sense.
I want to thank everyone for their helpful responses! I've learned that my FRA is actually 67, not 66 like I thought. So waiting from 65 to 66 reduces my early retirement penalty but isn't actually delayed credits yet. I still get about 7.5% more monthly benefit even without working, which sounds worth it to me. And I'll definitely remember to sign up for Medicare at 65 regardless of when I take SS benefits. This has been incredibly helpful for my retirement planning!
one more thing - if ur gonna do this make sure ur actually eligible for a top up first. if ur own benefit is already kinda high (like $1,850 is decent!) u might not get anything extra anyway. my ex made waaaaay more than me during our 22yr marriage so for me its a big difference. but some of my friends found out they get nothing extra cuz their own benefit was already higher than half their exs benefit.
ugh i got so confused by all these rules when i was applying! the thing that helped me most was actually going to my local office in person with all my documents. they were able to look everything up right there and tell me exactly what i qualified for. so much easier than trying to figure it out online or over the phone.
Oh, I stand corrected! Thanks for explaining that. I wish someone had told me about the limited widow's benefit when my wife passed. The SSA rep never mentioned it.
I'm so confused...I went to SSA office yesterday and the person told me they aren't processing these yet and to come back in April. But you all are saying you've gotten calls? Are different offices handling this differently?
There seems to be some inconsistency between different SSA offices. The main processing is being handled by specialized units rather than local offices, which may explain why you got different information. I would recommend filing your application online immediately rather than waiting until April. Once it's in the system, it will be routed to the appropriate processing unit regardless of what your local office advised.
This is why I tell EVERYONE to file as early as possible when new benefits become available! My mother-in-law waited 3 months after the POMS update for GPO and now she's at the back of the line. The early bird gets the worm with SSA. Always file right away and let them sort it out.
StarSurfer
Wait I thought the whole WEP repeal thing didn't pass?? My father in law was telling me Congress was talking about it but nothing actually happened. Are you sure its actually repealed?
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Zoe Christodoulou
•You're right to question this. The full WEP repeal hasn't actually passed at the federal level yet. There have been several bills introduced in Congress (like the Social Security Fairness Act), but none have become law as of early 2025. It's possible the original poster is confusing proposed legislation with actual law, or perhaps referring to a state-level initiative that affects certain pensions but not the federal WEP provision itself. Always good to verify this kind of information directly with SSA.
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Carmen Reyes
Since several people have pointed out that the WEP repeal hasn't actually happened yet, your husband's current situation remains unchanged. His benefit is still reduced by WEP, and if that amount ($1,375) is higher than half of your PIA at your FRA, then he wouldn't qualify for spousal benefits at this time.
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Aisha Ali
•Thank you. We'll keep an eye on any legislation that passes and reconsider if/when the WEP is actually repealed. For now, it seems he should just continue with his current benefit.
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