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If I could give 10 stars I would
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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Really made a difference, save me time and energy from going to a local office for making the call.
Worth not wasting your time calling for hours.
Was a bit nervous or untrusting at first, but my calls went thru. First time the wait was a bit long but their customer chat line on their page was helpful and put me at ease that I would receive my call. Today my call dropped because of EDD and Claimyr heard my concern on the same chat and another call was made within the hour.
An incredibly helpful service
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!
Consistent,frustration free, quality Service.
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.
IT WORKS!! Not a scam!
I tried for weeks to get thru to EDD PFL program with no luck. I gave this a try thinking it may be a scam. OMG! It worked and They got thru within an hour and my claim is going to finally get paid!! I upgraded to the $60 call. Best $60 spent!
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Social security is so confusing! I thought retirement age was 65 but now its like 67 for most people? the whole system needs to be simplified
You're right that it can be confusing. Full Retirement Age (FRA) varies based on your birth year. For those born in 1960 or later, FRA is 67. For those born between 1943 and 1954, it's 66. And for those born between 1955 and 1959, it increases gradually from 66 and 2 months to 66 and 10 months. The original 65 age hasn't applied to anyone retiring in quite some time.
One more thing I forgot to mention - if you DO get an overpayment notice (I HOPE YOU DON'T!), immediately file for a waiver! Even if you know you might have gone over slightly. The waiver process buys you time to gather MORE evidence about your work activity. When I dealt with this, I eventually had to PHYSICALLY GO to the local office with printouts of EVERYTHING - invoices, bank statements with deposits highlighted, my work calendar. The system is SO BROKEN for self-employed people!!!
That's a great tip about requesting a waiver - I wouldn't have thought of that. I'm taking detailed notes on everything you and others have suggested. I really hope to avoid that scenario, but it's good to be prepared just in case.
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so what did u decide to do? im in almost the exact situation (except im 65 and 2 months) and trying to figure out my best move
I'm still weighing options, but leaning toward filing in January. The 5.6% reduction isn't ideal, but I need the income. I figure if I do find work before FRA, I'll deal with the earnings test. Then once I hit FRA in November, I'll have the option to suspend if I'm working full-time. Basically buying myself flexibility while not completely draining savings.
Another strategy option: If you have any self-employment income or could do consulting work, be aware that only earned income counts for the earnings test. Investment income, pension, rental income, etc. don't count against you. So some people structure work arrangements specifically to minimize the earnings test impact.
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good luck!! let us know what happens ok??
I will definitely update once I get this resolved. Thank you all for your help!
One more thing - if you used the Claimyr service someone mentioned and managed to speak with SSA, make sure you get the name and direct extension of anyone who helps you correctly understand your case. That way, if you need follow-up, you can try to reach the same person who already understands your situation. Also get everything in writing if possible!
Great tip! I actually tried Claimyr today and got a call back within 40 minutes! The representative agreed this sounds like an error and has scheduled me for an appointment with a Claims Specialist next week. I made sure to get her name and employee ID number just in case.
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has anyone actually received increased benefits from this GPO change yet? my mom has a teacher pension and we applied in february but her check hasnt changed
The systems at SSA are still being updated to fully implement the GPO changes. Many people who applied early in the year are seeing delayed processing. If your mom applied in February, I recommend checking the status of her application online through her mySocialSecurity account or contacting SSA directly. Some payments may also include retroactive adjustments when they finally process.
Update: We submitted the application yesterday and put the current date as the start date. The claims specialist said they will determine if any retroactive benefits apply based on the new law. She also confirmed that his benefit will increase gradually over the next few years as the GPO phases out, starting with 20% this year. Thank you all for your helpful advice!
Glad it worked out! Let us know when he gets his first payment and how much it ends up being. Curious about the actual amounts with the new changes
That's great news! You did exactly the right thing. And yes, the benefit will increase by about 20% of the original GPO reduction each year until fully phased out in 2029. Congratulations on maximizing your household's Social Security benefits!
Julian Paolo
OMG I've been trying to figure out this exact same thing!!! I'm 66 and so confused about when to take my SS. My husband wants me to wait but I don't think he understands that we might not live long enough for it to matter? Both my parents died at 78 so I'm really worried about waiting too long. Did any of those calculators people mentioned actually help you make a decision yet???
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Noah Irving
•One consideration for married couples is that the lower-earning spouse will inherit the higher-earning spouse's benefit amount when they pass away. So if your husband's benefit is significantly higher than yours, it might make more sense for him to delay (to maximize what you'd get as a survivor) and for you to claim earlier. This is called a "split strategy" and it can be very effective.
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KhalilStar
Thank you everyone for the helpful advice! I checked out the Open Social Security calculator and it was really enlightening. Based on my family history and current financial needs, I've decided to go ahead and claim my benefits now at FRA. Having that steady $2,750 coming in monthly will ease my immediate financial concerns and let me leave my investments alone during this volatile market. If I end up being the family outlier who lives past 85, I might slightly regret this decision, but the peace of mind now seems worth it. Really appreciate all the perspectives here - gave me a lot to think about beyond just the basic break-even calculation!
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