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I'm in a really tough spot right now and need some advice on my disability application. I applied for both SSDI and SSI about 6 months ago. My SSDI claim is still in redetermination, but SSA denied my SSI application because I had savings that exceeded their $2000 resource limit when I initially applied. Since then, I've been using those savings to pay my rent, utilities, medical bills, and other expenses while waiting for the SSDI decision. My savings are now well below the SSI limit, but I'm worried about how this affects everything. My question is: Can I appeal the SSI denial now that my resources are under the limit? Or should I wait until my SSDI decision comes through first? I did file under dire need status since I have multiple serious medical conditions (chronic kidney disease, rheumatoid arthritis, and severe depression) that qualify me. I've hired an attorney to help with the SSDI claim, but they haven't said much about the SSI part. Has anyone been in a similar situation or know what I should do next?
I recently got approved for my late husband's Survivor Benefits starting January 2025, but I'm still working full-time. I turn FRA (Full Retirement Age) on December 5, 2025, and I'm confused about the earnings test. For 2025, I know the annual limit is $62,160 if you're under FRA, but I also read something about a monthly limit of $5,180 that applies in certain situations. Here's my specific situation: I'll earn around $58,000 from January through November (before my FRA). Each month I'll make about $5,300, which exceeds the monthly limit, but my total for the year will still be under the annual limit of $62,160 before I reach FRA. So my question is: Am I subject to the monthly earnings test or the annual one? I thought I had to stay under the ANNUAL limit of $62,160 before reaching FRA in December, but now I'm worried I might be subject to the MONTHLY limit of $5,180 each month. Can someone explain which rule applies in my case? I don't want to have benefits withheld unnecessarily!
my dad just went through this whole thing and was so confused by all this FRA and earnings test stuff. he ended up waiting until his FRA to claim just to avoid the headache lol
Based on everything you've shared, you're approaching this correctly. Let me summarize to make sure everything is clear: 1. You're subject to the ANNUAL earnings test of $62,160 for 2025 (not the monthly test) 2. Only your earnings from January through November 2025 count toward this limit 3. As long as you stay under $62,160 through November, no benefits will be withheld 4. In December 2025 when you reach FRA, a separate higher limit applies ($16,560) 5. After you reach FRA in December, no earnings limits apply at all Keep track of your earnings, report your estimates to SSA, and you should be all set!
I retired from teaching 3 years ago and started collecting Social Security at 62. During my 35-year career, I spent about 25 years in a non-covered position (no SS taxes paid) but worked evenings/summers at jobs that did pay into Social Security. I also had about 10 years where my school district participated in Social Security. Now I'm working a part-time retail job that takes out Social Security taxes. My question is: does this current work actually help my benefit amount? My SS statement shows several $0 years in my earnings record. Can these new earnings replace those zeros and increase my monthly payment? Or am I permanently stuck with the WEP reduction because of my teaching pension? My current SS benefit is only $975/month after the Windfall Elimination Provision hit. I'm trying to figure out if continuing this part-time work is actually helping my benefits or if I'm just paying extra taxes for nothing.
To directly answer your question: The earnings you're generating now will only increase your benefit if: 1. They're higher than your lowest indexed earnings year currently being used in your calculation (likely yes if replacing a zero) 2. The recalculation results in a benefit increase of at least $1 (they round down to the nearest dollar) It's important to understand that the actual increase might be small. For example, if you're earning $15,000 this year and it replaces a zero in your calculation, your benefit might increase by just $10-20 per month. This is because the earnings are averaged over 35 years, and the benefit formula is weighted. However, keep working as long as it's not a hardship for you. Those small increases can add up over time, especially if you live a long life. Plus, there's always the chance that Congress could modify or eliminate WEP in the future, which would make those earnings even more valuable.
Social Security automatically recalculates your benefit each year after your employer reports your earnings (typically after you file taxes). If your earnings increase your benefit, they'll make the adjustment and send you a notice. The increase would be effective January of the year following the work. However, there can sometimes be delays in this process. If you believe you should have received an increase based on recent earnings and haven't seen it after filing taxes for that year, it might be worth contacting SSA. Also, regarding your earlier question about trying to reach the substantial earnings threshold to reduce WEP: If you're able to work more without affecting your quality of life, it could be worthwhile. Each year of substantial earnings above 20 reduces your WEP penalty by 5%. So if you're currently at, say, 22 years of substantial earnings, getting to 25 would reduce your WEP penalty by an additional 15%.
I'm devastated and trying to navigate SS benefits after my husband passed away last week. He had just started receiving his Social Security retirement benefits 4 months ago when he turned 62. I'm currently 60 and was the higher earner throughout our careers. We would have celebrated our 32nd anniversary next month. I'm trying to understand if I qualify for survivor benefits now at age 60, and if there's also that one-time death benefit payment ($255 I think?) I've heard about. My biggest question is - if I take survivor benefits now, will this negatively impact my own retirement benefits when I reach my full retirement age (67)? Since I was the higher earner, I'm trying to maximize what I'll eventually get. I've scheduled a call with Social Security for Monday, but I want to go in with some understanding of my options. The whole system seems really complicated and I'm overwhelmed with everything right now. Anyone gone through something similar or have advice?
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
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've been receiving Social Security survivor benefits since my husband passed three years ago (I'm now 66). Recently, my rheumatoid arthritis has gotten significantly worse, especially in my hands and wrists. Some days I can barely button my shirt or open a jar. I was talking with my neighbor who suggested I look into applying for SSDI instead of survivor benefits. I'm completely confused about how SSDI works at my age. Does SSDI have a standard benefit amount that everyone gets? Or is it calculated differently for each person? Also, would switching affect my Medicare coverage? Someone told me SSDI recipients have to pay for Medicaid, but that doesn't sound right to me. I tried calling the SSA office three times this week but couldn't get through to anyone. My local office is 45 minutes away and I'm having trouble driving that far with my condition. Any help would be appreciated!
my aunt got a special thing called medicare savings program that pays her medicare premium, maybe look into that??
Just to summarize what you've learned: 1. At 66, you're already at Full Retirement Age, so SSDI isn't applicable (it automatically converts to retirement at FRA) 2. Your options are either survivor benefits OR your own retirement benefits (whichever is higher) 3. Medicare is what you have at 66, not Medicaid 4. Look into Extra Help program for prescription drug costs 5. Consider contacting your Area Agency on Aging for arthritis support services It sounds like staying on survivor benefits is likely your best option financially, but it's worth having SSA do a calculation to confirm this. The resources others have suggested for managing your arthritis costs are excellent next steps.
Mason Stone
just wondering, what kinda disabilities do u have? some get approved faster than others
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Savannah Vin
AuthorI 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.
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Makayla Shoemaker
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.
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Savannah Vin
AuthorI 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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