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YOU AREN'T STUPID AT ALL!!! The system is DESIGNED to be confusing! I worked for 40 years and when I went to apply the SS rep told me things I'd NEVER heard before. It's like they want us to make mistakes so they can pay out less in benefits.
One approach that might help is to focus only on terms relevant to your specific situation. It sounds like you're nearing retirement age, so terminology about disability determination or childhood benefits probably isn't essential for you right now. Focus first on understanding: 1. The difference between retirement age options (62, FRA, 70) 2. How spousal benefits work (if applicable) 3. How earnings might affect your benefits if you continue working Don't try to become an expert on every aspect of the system. Even Social Security employees specialize in different areas because no one can master it all. Learn what you need for your specific situation, then expand your knowledge gradually.
After struggling with similar SSA phone issues, I finally found a service called Claimyr that got me through to an agent in under 10 minutes! It basically navigates the SSA phone system for you and calls you back when it reaches an agent. Saved me hours of frustration when I needed answers about my application status. There's a video showing how it works at https://youtu.be/Z-BRbJw3puU - definitely worth checking out if you're desperate to speak with someone about your case. Getting answers directly from SSA is critical with these GPO implementation questions.
UPDATE: My mom finally got through to someone and they told her the GPO repeal benefits start paying out in JULY 2025! So even though the law passed, they're still denying applications until then. Did anyone else hear this???
This is correct. While the Social Security Fairness Act was signed into law, the actual implementation date for benefit payments is July 2025. SSA is currently working on updating their systems and procedures. You should still apply (or have your reconsideration on file) so you're in the system when the payments begin, but actual payments affected by the GPO repeal won't start until July 2025.
My friend tried to do this but found out her ex had barely worked under social security because he was a teacher with a pension. She ended up getting almost nothing from his record. Do you know if your ex worked consistently under Social Security?
One final tip - when you do file, make sure to specifically tell SSA you want to file for divorced spouse benefits. Sometimes they don't check automatically even though they should. Bring your marriage certificate and divorce decree to your appointment. You might also need his Social Security number, but if you don't have it, SSA can usually find it with his name and date of birth.
my neighbor worked for the post office and had the same question when she got promoted. she said her benefit estimate went up about $200/month after her higher salary was recorded but it took almost a year to show up in the system. might be different for you tho.
One more thing to consider: If you're within a few years of retirement, you might want to check whether your 2024 earnings will replace one of your 35 highest years. If you've consistently earned a good income throughout your career, a single year's increase may have less impact than if you have some lower-earning or zero years in your calculation. You can see your year-by-year earnings history in your my Social Security account to get a better idea of how significant this increase might be to your overall calculation.
That's a really good point. I do have about 5 years early in my career where I earned very little (was in graduate school and working part-time). I'm guessing the new salary will definitely replace one of those years in the calculation. I'll check my year-by-year history to see exactly how it might impact things.
Yuki Sato
I herd that Oregon PERS is different from some other states because Oregon never opted out of Social Security completley. Is that right? Some of my Oregon freinds pay into both systems I think??
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Zoe Alexopoulos
•That's partially correct. Oregon has multiple tiers in their PERS system, and some Oregon public employees are covered by Social Security while others aren't. It depends on when they were hired and what government entity they work for. Some local governments in Oregon have opted to participate in Social Security, while others haven't. If someone paid into both systems throughout their career, the WEP impact would be different than for someone who switched between covered and non-covered employment.
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Jamal Anderson
I thought Biden already signed something about this! Now I'm confused. My brother who retired from teaching in Illinois got a letter about his SS benefits going up but maybe that was just the regular COLA?
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Andre Lefebvre
•Your brother likely received notification about the 2023 Cost of Living Adjustment (COLA), which was 8.7% - one of the largest in decades due to inflation. This increase applies to all Social Security recipients. It wasn't specific to government employees and wasn't related to any changes in the WEP or GPO provisions. The 2024 COLA will be 3.2%, and those notices usually go out in December.
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