Since others have already clarified the earnings limit question, I'll add one more thing that might help explain your friend's confusion. There are THREE different age-related concepts with Social Security that people often mix up: 1. Earnings Limit: Applies ONLY before FRA, completely goes away at FRA 2. Delayed Retirement Credits: These accumulate between FRA and age 70 (8% per year) 3. Required Minimum Distributions (RMDs): Start at age 73 for retirement accounts (not related to SS but another age 70-ish rule) I've found that people often blend these different concepts together, which creates confusion.

my brother kept working til 69 making big $$ and got full SS the whole time so your def right

One more thing to be aware of: Medicare enrollment. If your husband is already on Medicare, no action is needed. If he's not on Medicare yet but will be 65+ when benefits start, the retirement application will automatically enroll him in Medicare Parts A & B. If he has employer health insurance and wants to delay Part B (to avoid paying the premium while still covered), there will be a section in the application where he can decline Part B. This is important because Part B comes with a monthly premium that's unnecessary if he has good employer coverage. If he declines Part B now while having employer coverage, he'll qualify for a Special Enrollment Period when he eventually retires, avoiding the late enrollment penalty.

make sure u have marriage info!!! they asked my friend for date/place she got married AND divorced from 40 years ago!!! she had to find old papers

when my wife got disability for her back and diabetes she had to get statements from EVERY doctor and they all had to agree she couldnt work. make sure all his doctors are on the same page!!! also SSI and SSDI are different things. SSDI is based on his work credits and SSI is for people with no assets. he might qualify for both until SSDI kicks in since hes living with your mom and has no assets

You mentioned your brother's FMLA ends in March. He should immediately have a conversation with his HR department about accommodations under the ADA (Americans with Disabilities Act) which might provide additional job protection beyond FMLA. Regarding getting representation: while you can start the application process yourself online at ssa.gov, having a disability attorney from the beginning often results in stronger initial applications. Most disability lawyers offer free consultations. Look for attorneys who specialize specifically in Social Security disability (not just general personal injury), preferably ones who are members of NOSSCR (National Organization of Social Security Claimants' Representatives).

Here's a key detail that often gets overlooked: The way the GPO is applied can sometimes seem like they're ignoring your spouse's work history, when that's not exactly what's happening. Your survivor benefit is first calculated based on your husband's full earning record (including all those manufacturing years). Then, that amount is reduced by 2/3 of your teacher's pension. If your pension is large enough, this can reduce your survivor benefit to zero, making it appear as if his work history wasn't counted at all. For example, if your calculated survivor benefit was $1,800/month based on his full history, but your teacher pension is $3,000/month, the GPO reduction would be $2,000 (2/3 of $3,000), reducing your survivor benefit to $0. This makes it seem like his work history didn't count, when it was actually used in the initial calculation.

I used to work for SSA, and I can tell you that mixed employment cases like yours are among the most complex. Here's what might have happened: 1. Your husband's Social Security benefit was calculated based on ALL his covered employment (manufacturing years) 2. If he had fewer than 30 years of substantial earnings under Social Security, the WEP reduced his benefit 3. When you applied for survivor benefits, you received a percentage of his already-reduced benefit 4. The GPO then further reduced that amount based on 2/3 of your teacher's pension If the Social Security Fairness Act passes, both reductions would be eliminated, potentially increasing your benefit significantly. Until then, I strongly recommend requesting a detailed breakdown of your benefit calculation to ensure no errors were made. Sometimes earnings years are missing from the record or calculations are applied incorrectly.

i heard socal offices are super backed up right now because of all the boomers retiring. my dad had to wait 5 months for his application to process last year but that was for ssdi not retirement

Thank you everyone for all this helpful advice! Based on what I'm hearing, I'll plan to submit my application in June 2025 for my October start date (4 months ahead). I'll make sure I have all my documents ready and will do the application online. And I appreciate the tip about possibly starting in September instead of October - that makes a lot of sense. If I run into any issues with reaching a representative, I'll check out that Claimyr service. This has been incredibly helpful!