@original poster - Did you get a letter from SSA explaining the adjustment at any point? I never did, and that's what made me so mad! They should at least TELL US when they're making these adjustments!

For future reference, you can request a detailed explanation of benefit calculations by visiting your local SSA office in person or by calling to request a BOAN (Benefit Overpayment Action Notice) explanation if you suspect there was an overpayment adjustment. They should be able to provide a month-by-month breakdown of the calculations. As others have said, this is standard procedure when transitioning between benefit types, especially with spousal to survivor transitions. The system has to reconcile the different benefit calculations and payment schedules.

I really appreciate everyone's help! It sounds like since my husband's SSDI is already higher than what he'd get as a spousal benefit (half of my amount), there's no additional money available to him right now. I'm glad I asked because now I understand how the system works. And I learned about survivor benefits too, which is important for our future planning.

does anyone know if this works the same if ur collecting a government pension? my wife gets teachers pension and i heard theres some offset or something

The REAL QUESTION is how they're going to pay for this!!! Repealing GPO/WEP would cost billions and SS is already headed for trouble. They'll probably just increase the debt more or raise taxes on everyone. Nothing is free - we'll all end up paying for it one way or another.

I just went through all this with my financial advisor last week. Here's what she told me (I'm also a former teacher with pension): 1) The current GPO reduces spousal/widow benefits by 2/3 of your government pension 2) Most pending legislation would phase out GPO over 5 years (20% reduction each year) 3) For spouses, there's NO benefit to waiting beyond FRA - you get 50% of your spouse's PIA at FRA 4) For survivor benefits (after spouse dies), there IS benefit to waiting up to age 70 5) Keep good records of your pension and SS communications Her advice was to wait until FRA to avoid the early filing reduction. In your case at 65.5, it's only about a 6% reduction, so if you need the money now and GPO is repealed, it might be worth taking slightly reduced benefits.

Based on your follow-up comments, here's what I suggest for your specific situation: 1. Complete your divorce first 2. Request your own Social Security Statement through your my Social Security account online 3. Contact SSA specifically requesting: - Verification of your deceased former husband's PIA (Primary Insurance Amount) - Calculation of your widow benefit at age 60 (71.5% of his PIA) - Calculation of your own retirement benefit at FRA With these three figures, you can work with a financial advisor to determine whether keeping your house is financially viable. The most accurate calculation will include both your reduced widow benefit at 60 and how it compares to your own benefit at your FRA. This information is essential for making informed long-term financial decisions.

DON'T go to a bank financial advisor!!! They don't know SS rules AT ALL and just want to sell you products!!! I learned this the hard way when mine told me completely wrong information about survivor benefits and almost cost me THOUSANDS!!! Find someone who specializes in Social Security claiming strategies - there are actual consultants who ONLY do this!

WAIT A MINUTE - are you getting YOUR OWN Social Security now? Because if you're not, you should consider filing for JUST Medicare at 65 but WAITING to file for Social Security!!! Every month you wait past FRA adds to your benefit amount! Don't leave that money on the table!!!

Since we've confirmed you don't qualify for ex-spouse survivor benefits due to the 7-year marriage duration, let me offer some constructive advice for maximizing your own Social Security: 1. If you can wait until 70 to claim, your benefit will be 132% of your FRA amount 2. Make sure SSA has all your correct earnings history - check your earnings record online through your my Social Security account 3. If you're still working, even part-time, higher earnings now could potentially increase your benefit calculation 4. Consider whether filing a restricted application might benefit you if you were born before January 2, 1954 These strategies can help compensate for not qualifying for ex-spouse benefits. The 10-year marriage rule is indeed strictly enforced for divorced spouse benefits with essentially no exceptions for marriages that ended in divorce.