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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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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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my brother said something about file and suspend but i think they got rid of that????? anyone know
Yes, the "file and suspend" strategy was eliminated by the Bipartisan Budget Act of 2015. It's no longer available for anyone who wasn't already grandfathered in at that time. Some restricted application strategies were also eliminated for people born after January 1, 1954. The Social Security claiming rules have changed significantly over the past decade, which is why many online articles can be outdated or confusing.
Thank you all for the helpful information! I think I understand my options much better now. Just to summarize what I've learned: 1. The 8% delayed retirement credit is real, and it's simple interest (not compound) 2. After FRA, I can earn unlimited income from self-employment without benefit reductions 3. I'll get all COLA increases even while delaying 4. My wife's claiming decision doesn't affect my benefits 5. If I die first, my wife can switch to my higher benefit as a survivor, but she must APPLY for it (not automatic) 6. I need to consider taxation if I work while collecting I think I'm leaning toward delaying to 70 now, especially since it provides that "insurance policy" of a higher survivor benefit for my wife if I die first. I'll use that Claimyr service to get through to SSA and confirm these details for my specific situation. Really appreciate everyone's input!
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BE CAREFUL!!!! My brother-in-law got hit with a HUGE overpayment bill because he misunderstood how this works! Make sure you report your earnings to SSA right away when you start benefits. They don't find out about your earnings until tax time the NEXT YEAR and by then you could owe thousands back if you went over the limit!!
This is a valid concern. To avoid potential overpayments, you should proactively report to SSA if you expect to exceed the monthly earnings limit in any month. You can do this through your my Social Security account online, by calling, or visiting an office. It's always better to report changes in advance than to deal with an overpayment later.
Just to add - when you do hit the earnings limit, they don't take away your entire benefit. They withhold $1 in benefits for every $2 you earn above the limit. So if you go over by $1,000 in a month, they'd withhold $500 in benefits.
That's less harsh than I thought! So I could potentially work a bit more and just accept a reduced benefit. That gives me more flexibility.
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congrats on having a good 401k! thats amazing these days
Thank you! I was fortunate to work for a company with a good matching program and started contributing early. It definitely provides peace of mind now.
One additional factor to consider: If you wait until December 2025, you'll also be positioned better for any Cost of Living Adjustment (COLA) that takes effect in January 2026. The COLA will apply to your higher base amount, further increasing the long-term advantage of waiting that extra month. With inflation patterns the way they've been, even a modest 2-3% COLA would add meaningful additional benefits over time.
That's an excellent point I hadn't considered! Getting the COLA on the higher amount would definitely amplify the benefit of waiting. Thank you for that insight!
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wait I just remembered something important!!! if ur turning 62 soon make sure u understand deemed filing!!! the rules changed after 2015 and now if u file for ANY benefit they automatically make u file for ALL benefits ur eligible for! so u cant do that strategy where u take spousal first then switch to ur own later like people used to do!!
This is an excellent point about deemed filing rules! Under current rules (for people born after January 1, 1954), when you file for either retirement or spousal benefits, you're deemed to have filed for both. The only exception is for surviving spouses claiming survivor benefits, which aren't subject to deemed filing rules.
If your husband is 64 and receiving survivor benefits, and you're turning 62, you might want to consider a 2-step strategy that could maximize your household benefits over time: 1) You file for your reduced retirement benefit at 62 (accepting the reduction) 2) When your husband reaches 70, he switches to his own retirement benefit (maximized with delayed credits) which then triggers your eligibility for potentially higher spousal benefits While you'd have a permanent reduction on your own benefit from filing early, the years of receiving some benefit (rather than nothing) plus the eventual higher spousal amount might work out better financially depending on your specific benefit amounts and life expectancy. I'd recommend sitting down with a financial planner who specializes in Social Security claiming strategies to review all your options with actual numbers.
I really appreciate this suggested strategy! I hadn't thought about having him delay until 70 for maximum benefits. We'll definitely talk to a financial planner about running the numbers. There are so many moving parts to consider!
Lena Müller
so what are you going to do with the money??? i'd be on vacation somewhere warm lol
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Ava Williams
•I will be out of the country on vacation for the next 6 months!!!🤪🤪 Just kidding, wish I could! Actually, I'm going to pay off some debt and put the rest in savings. After the initial shock, I'm just grateful for the financial breathing room.
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Paolo Bianchi
one thing nobody mentioned is that back in my day you couldn't get benefits from an ex... the rules keep changing so make sure your actually entitled to it
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Keisha Thompson
•The rule about survivor benefits from ex-spouses has actually been consistent for decades. If you were married for at least 10 years before divorcing and haven't remarried before age 60, you can claim survivor benefits on your ex-spouse's record. This is different from spousal benefits during life, which have different requirements. The SSA wouldn't approve and pay benefits unless eligibility was verified.
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