Social Security Administration
CommunityGovernment Services


Ask the community...
I'm helping my dad figure out his Social Security situation. He's 75 and just started collecting benefits last year after delaying. Problem is, he worked for the state government for 22 years (with pension) and now Social Security is hitting him with this WEP reduction thing that's cutting his benefit by almost $500/month! He's still working part-time making about $25,000 a year at a local hardware store. I've been reading that sometimes WEP reductions can be lessened if you have enough "substantial earnings" in years with Social Security taxes. Does his current $25k income help reduce the WEP penalty at all? Or does he need to earn at least $31,275 (the 2025 substantial earnings amount) for it to count? He's pretty frustrated about the unexpected reduction and wants to know if his current work helps at all with this situation.
I've been receiving survivor benefits since my husband passed away (started when I was 64). I'm now considering remarrying at 67, but I'm worried about what would happen if my new husband passes away in the future. Would I be eligible for survivor benefits from him too? How much would I get? Would it be a percentage based on when I started my first survivor benefits? I read something about the "higher of" benefits, but I'm confused about how this works with remarriage. My current survivor benefit is about $2,200/month, and my potential new husband gets about $3,100/month from Social Security retirement. Any insights would be greatly appreciated!
Quick additional note on your question about the early claiming: When you claimed survivor benefits at 64, you took a reduction from your full benefit amount. If your new husband passes away, the survivor benefit calculation from his record would be based on your age at THAT time. So if you're past your FRA when he passes away, you would get the full survivor benefit from his record (assuming it's higher than your current one).
I went through something similar last year. Remarried at 68 after being on survivor benefits for years. The SSA representative told me that each survivor benefit is calculated separately, and they'll pay you whichever one is higher. In my case, I'm still getting my first husband's benefit because it was higher than what I'd get from my second husband who passed away recently. Make sure you bring your marriage certificate when you report the marriage to SSA - they required that documentation.
I'm really confused about widow benefits when there are multiple marriages involved. Here's my situation: I started collecting widow benefits at 62 from my second husband who passed away last year. I know these are permanently reduced because I took them early. Now I just found out my first husband (we were married for 22 years) is terminally ill. If he passes away after I reach my full retirement age (66 and 10 months), would a widow benefit based on his record ALSO be reduced because I already took reduced widow benefits from my second husband? Or could I get the full widow amount based on my first husband's record since I'd be at FRA when applying? I'm so confused about how this works with multiple spouses and the permanent reduction. Has anyone dealt with this situation before?
Also remember they'll probably ask for proof of the marriage ending (divorce decree for first marriage) and proof of subsequent marriage (marriage certificate for second husband). My sister got caught in a loop where they kept asking for more documents.
Something nobody has mentioned yet - when your first husband does pass away (which I'm sorry to hear about), make sure you check if there are any children who might be eligible for benefits on his record too. My neighbor didn't realize her adult disabled son qualified for benefits on her deceased husband's record for almost a year after he died. There might be other family members eligible besides just you.
Thank you for mentioning that. We do have a daughter together who has a disability, but she's 42 now. I'm not sure if she would qualify at this age?
Hi everyone, I'm trying to figure out my Social Security options since my ex-husband passed away last year at age 55. We were married for 17 years and I've never remarried. I've been teaching for almost 25 years and plan to collect my teacher pension. I've heard so many conflicting things about survivor benefits, the Government Pension Offset (GPO), and the Windfall Elimination Provision (WEP)! Here's what I THINK I understand: - I might be eligible for survivor benefits from my ex when I turn 60 - My teacher pension might reduce those benefits through GPO - I might be able to take survivor benefits at 60, then switch to my own SS at 70 Basically I'm wondering if I can: 1. Start survivor benefits at 60 2. Begin collecting my teacher pension at 67 3. Switch to my own Social Security benefits at 70 Does anyone know if this strategy works? And would I need to stop the survivor benefits when I start my own SS at 70? The SSA rep I talked to seemed confused when I asked. Thanks for any help!
DONT FORGET about the earnings limit if ur still teaching when u take survivors at 60!!! if ur under FRA they will take back $1 for every $2 u earn above limit. learned this the hard way :
This is an excellent point. For 2025, if you're under Full Retirement Age and working, SSA will deduct $1 from your benefits for each $2 you earn above $22,320 (the current annual limit, which increases slightly each year). Teaching salaries typically exceed this limit, which means your survivor benefits could be substantially reduced or eliminated until you stop working or reach your Full Retirement Age.
Thank you all SO much for the helpful responses! I think I have a clearer strategy now: 1. Apply for survivor benefits at 60 2. Be aware of the earnings limit while I'm still teaching 3. Consider delaying my pension as long as possible to minimize GPO 4. Switch to my own SS benefit at 70 (which will end survivor benefits) I'll definitely look into Claimyr to get connected with an SSA specialist who actually understands these rules. And I'll find a financial advisor who specializes in GPO/WEP issues as well. This is all so complicated! I'm grateful for all your help and experiences.
That sounds like a solid plan. One last tip - after you get professional advice and make your decision, document EVERYTHING. Keep copies of all applications, approval letters, and calculation explanations. I've seen cases where the SSA made adjustments years later and people needed their historical documents to prove what they were entitled to. Good luck!
Hi everyone, I'm trying to sort out what happens with earnings limits when I transition between benefits. I've been collecting SSDI survivor benefits from my late husband's record (with those annoying earnings limits), but I'll be reaching my full retirement age (FRA) in January 2025 and switching to my own retirement benefits. When I called my local Social Security office, the rep told me there would be NO earnings limit starting in January 2025. I have a great opportunity to work part-time from home and could wait until January to start. I want to make absolutely sure this information is correct before I commit! I also have a couple related questions: 1. If I start working part-time in January, will it affect what I pay for Medicare? Will my premiums go up? 2. If I continue working part-time and paying into Social Security between my FRA and age 70, will that increase my monthly payment amount? Thanks so much for any help! I don't want to mess anything up after finally getting my benefits sorted out.
Congrats on reaching FRA! Something no one mentioned yet - even though the earnings limit is gone, you still have to pay income tax on your combined income (work + SS benefits) if it goes over certain thresholds. For most people, up to 85% of SS benefits become taxable when your combined income gets high enough. Just something to budget for!
Good point! I forgot to mention this. The thresholds for Social Security benefits becoming taxable are pretty low too. For single filers, if your combined income (adjusted gross income + nontaxable interest + half of your SS benefits) exceeds $25,000, up to 50% of benefits may be taxable. Above $34,000, up to 85% may be taxable. Op should definitely factor this into their calculations when deciding how much to work in 2025.
One final clarification for you: to maximize your benefits, remember that: 1. You can work unlimited amounts after FRA without benefit reduction 2. If you're switching to your own retirement benefits, consider whether it makes sense to delay claiming your own retirement past FRA to earn delayed retirement credits (8% per year until age 70). You could potentially continue receiving survivor benefits while delaying your own retirement benefit, depending on which is higher. 3. Any new earnings that replace lower earnings in your 35-year calculation will increase your benefit. SSA recalculates annually. 4. Watch those IRMAA thresholds for Medicare premiums - for 2025 (based on 2023 income), the first tier starts around $97,000 for individuals. Based on everything you've shared, you're making good decisions. Starting work in January 2025 after reaching FRA gives you complete freedom from the earnings test.
Thank you so much for this additional information! I've already looked at the numbers, and my own retirement benefit at FRA will be higher than my survivor benefit, so switching makes sense for me. And now I know I can work without worrying about benefit reductions! This forum has been incredibly helpful - I feel much more confident about my decisions now. I appreciate everyone taking the time to share their knowledge and experiences!
Alice Coleman
they never tell u about WEP until its to late!! i worked 18 years government and 22 years private and still got hit with WEP!! the whole thing is a SCAM!!!
0 coins
Marcus Patterson
AuthorIt was definitely a shock for my dad too. He had no idea this would happen until he actually applied for benefits. I wish they'd make this more clear to people earlier in their careers so they could plan accordingly. It seems like a lot of people get caught by surprise with this.
0 coins
Sofia Price
To summarize for your father's situation: 1. Yes, he must earn $31,275 in 2025 for it to count as a year of substantial earnings 2. Working part-time at $25,000 won't help reduce the WEP penalty 3. Each year of substantial earnings over 20 reduces the WEP penalty by 5% 4. Age doesn't matter - substantial earnings count the same whether you're 25 or 75 5. Check his earnings record carefully - he might have more years of substantial earnings than he realizes 6. Look into the WEP guarantee provision if his government pension is small If he can increase his hours to reach $31,275 this year, it would definitely help reduce the WEP impact on his benefits.
0 coins
Marcus Patterson
AuthorThank you so much for this clear summary! I've made notes of everything and will go over this with my dad this weekend. I think we'll look at whether he can pick up extra shifts to hit that threshold, and we'll definitely check his earnings record carefully. Really appreciate everyone's help with this complicated issue!
0 coins