Hang on a second - I'm confused about something. You mentioned a \

Good catch. Under current rules, when you file for any retirement benefit, you're deemed to have filed for all benefits you're eligible for. This is called \

btw have u looked into an ABLE account? its a special savings account for disabled people that doesnt count against asset limits for benefits. we set one up for my son and can put money in it for him without affecting his ssi eligibility. might be good for your situation if your financially stable and want to save for her

To summarize the options for your daughter based on what others have shared: 1. Focus on thorough documentation now rather than applying while your income disqualifies her 2. Consider applying for SSI when she turns 18 (though household support may still affect eligibility) 3. Look into setting up an ABLE account to save money for her future without affecting benefits 4. Understand that for future Childhood Disability Benefits (adult SSDI without work credits), she'll need to prove: - Disability began before age 22 - She remains unmarried - A parent is deceased, retired, or disabled and receiving Social Security The most important thing you can do now is maintain excellent records of all medical appointments, treatments, school accommodations, and how her conditions affect daily functioning. This documentation will be the basis for any future claims.

wait im confused... if your spouse dies dont you get survivr benefits from social security??? my aunt got her husbands ss after he passed away and it was more than hers

One more thing to consider: if you haven't retired yet, you might want to delay your Social Security application until after your ex passes away (if that's potentially on the horizon). That way, the WEP reduction would be calculated using your higher pension amount from the start. This could potentially be better than having your SS benefit established and then reduced later.

I applied for SS at 65 exactly like you're planning. Went ahead and did Medicare A and B together because my neighbor told me horror stories about penalties. For prescriptions (Part D), I spent about 2 weeks comparing plans on Medicare.gov before picking one. They have this tool where you enter all your medications and it shows which plan is cheapest for YOUR specific drugs. Highly recommend taking the time to use that tool!

One more important point: If you're in California, you might want to look into Medicare Advantage plans as an alternative to Original Medicare (Parts A+B) + Part D + Medigap. Many Advantage plans in California offer good prescription coverage built-in, plus extras like vision and dental. The enrollment periods are the same as for Original Medicare. Whichever path you choose, the most important thing is to make your Part B and Part D decisions within your Initial Enrollment Period to avoid lifelong penalties. You can always change plans during Annual Enrollment Periods, but those initial enrollment deadlines are critical.

Just to add to whats already been said - I know with my parents situation my mom gets a small "top off" because her own SS benefit was really low compared to my dads. But thats only because her own benefit was tiny. From what your saying your SSDI is already pretty high so you probably wont get anything extra when he files.

There's a key point I want to clarify here. When your husband files for Social Security retirement benefits (whether at FRA or age 70), you could be eligible for auxiliary benefits as his spouse. However, the maximum spousal benefit is 50% of his PIA (Primary Insurance Amount) at his Full Retirement Age. Since you're already receiving your own SSDI benefit of $2,948/month, you would only receive additional spousal benefits if 50% of your husband's PIA exceeds your current SSDI amount. For high earners reaching the maximum Social Security wage base ($168,600 in 2024, higher in future years), the maximum PIA for someone reaching FRA in 2024 is approximately $3,822. Half of that would be $1,911 - still less than your current benefit. Even with your husband's high income and maximum contributions, it's unlikely that 50% of his PIA would exceed your current SSDI benefit. Therefore, your benefit amount would likely remain unchanged when he files.