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If I could give 10 stars I would If I could give 10 stars I would Such an amazing service so needed during the times when EDD almost never picks up Claimyr gets me on the phone with EDD every time without fail faster. A much needed service without Claimyr I would have never received the payment I needed to support me during my postpartum recovery. Thank you so much Claimyr!
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An incredibly helpful service! Got me connected to a CA EDD agent without major hassle (outside of EDD's agents dropping calls – which Claimyr has free protection for). If you need to file a new claim and can't do it online, pay the $ to Claimyr to get the process started. Absolutely worth it!
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Used this service a couple times now. Before I'd call 200 times in less than a weak frustrated as can be. But using claimyr with a couple hours of waiting i was on the line with an representative or on hold. Dropped a couple times but each reconnected not long after and was mission accomplished, thanks to Claimyr.
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just wondering, what kinda disabilities do u have? some get approved faster than others
I have stage 3 chronic kidney disease, severe rheumatoid arthritis that affects my hands and knees (can't type or stand for long periods), and major depression with anxiety. I've included all my medical records and specialist reports with my application.
One important point that hasn't been mentioned: if your SSDI is approved, you'll likely receive back pay from your application date (or 5 months after your disability onset date, whichever is later). This could be a significant lump sum that would put you over the SSI resource limit again. You should ask your attorney about setting up a PASS (Plan to Achieve Self-Support) account or an ABLE account if you qualify, which are special accounts that don't count toward your SSI resource limit. This can help you manage any back pay without losing eligibility for other benefits. Also, make sure your dire need status is documented regularly. If your financial situation is worsening, have your attorney submit updated information to potentially expedite your case.
I had no idea about PASS or ABLE accounts! This is really valuable information. I'll definitely ask my attorney about this tomorrow. Thank you so much for taking the time to explain all this.
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my neighbor got survivors benefits and worked part time and it reduced her check because she was under FRA. theres an earnings limit around $19000 i think? just something to know if you're still working
That's correct. For 2025, if you're under your FRA and receiving any Social Security benefits (including survivor benefits), the annual earnings limit is $22,680. SSA deducts $1 for every $2 you earn above that limit. Once you reach FRA, there's no earnings limit.
Just a tip - when you apply for survivor benefits, they'll ask about your marriage date since it had to be at least 9 months to qualify (with some exceptions). You said you're just short of 32 years, so that's WAY more than enough, but be prepared with the exact date. They're STICKLERS for documentation so bring extra copies of everything!
I have our marriage certificate ready! Thanks for the reminder about documentation. I'll bring extra copies of everything just to be safe.
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Also worth noting that different states treat Social Security benefits differently for state income tax purposes. Some states don't tax Social Security at all, while others follow the federal rules or have their own formulas. What state are you in? That could affect your overall tax situation.
I'm in Pennsylvania. I think they don't tax Social Security benefits here, but I'm not 100% sure. I should probably check with a tax professional to be certain about the state tax implications too.
After reviewing the numbers again, you should be fine for federal taxes on your SS benefits as long as you don't have other significant income sources this year. To avoid surprises, consider having 10-15% withheld from your IRA distribution for federal taxes. The financial institution will have a form for this. This way you won't face an unexpected tax bill next April. And Pennsylvania, where you mentioned you live, does NOT tax Social Security benefits or retirement account distributions if you're over 59½, so you're set on the state tax front as well.
That's such a relief to hear about PA not taxing either one! I'll definitely have some taxes withheld from the IRA distribution to be safe. Thanks to everyone for all this helpful information - you've saved me so much stress!
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another thing to think about - how long have u been married? if its not 10 years yet and ur heading for divorce u might want to wait till u hit 10 years before finalizing anything
We've been married for 23 years, so thankfully that's not an issue. But that's a really good point for others in similar situations who might be close to that 10-year mark!
Here's a summary of your options: 1. File for your own retirement at 62 (approximately 30% reduction) 2. Wait until your husband is eligible (62) AND files for his benefits, then file for spousal benefits 3. Consider divorce if appropriate (after 10 years of marriage) which could allow you to claim on his record once he's 62 even if he hasn't filed 4. Wait until your Full Retirement Age to avoid reductions If you expect to receive spousal benefits eventually, consider whether the extra money from filing early on your own record will offset the permanent reduction to both benefits. This calculation depends on your life expectancy and financial needs. For specific estimates, you'll need to know: - Your Primary Insurance Amount (PIA) at Full Retirement Age - Your husband's approximate PIA - Your exact birth date to determine your FRA and reduction percentages
This is so helpful - thank you for laying out all my options clearly. I think I need to find out what my husband's PIA would be to make an informed decision. I'll try to get through to SSA for specific numbers. Based on everyone's advice, I'm leaning toward taking my own benefit now at 62 since I could really use the income, and then possibly switching to spousal later if it makes financial sense, even with the reduction.
Miguel Ortiz
im 66 and my husband is 70 can i do this too
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Fatima Al-Mazrouei
•It depends on your birth date. Were you born before January 2, 1954? If yes, then you can file a restricted application for spousal benefits only (assuming your husband is already receiving his benefits). If you were born January 2, 1954 or later, then you cannot use this strategy - you'd be subject to deemed filing rules.
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NebulaKnight
just wanted to say thanks everyone for explaining this so clearly! i learned something new today even though this wasn't my post lol. we need to look at our birth certificates to double check our years!
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