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Another resource - many Area Agencies on Aging have benefit counselors who can help navigate this process and provide guidance on elder financial abuse. They often have specialists who understand both SSA benefits and elder protection. Here's a link to find the Arizona offices: https://des.az.gov/services/older-adults/area-agency-aging
Thank you all for the helpful advice! I've contacted Adult Protective Services and will be flying out next week to help my sister-in-law. My nephew is going to try to get her a phone appointment with SSA before I arrive. I'm relieved to know she should be getting the full survivor benefit amount. I'll update once we get this resolved.
Good luck! And remember to get all bank accounts secured too - that's often where financial abuse happens even after benefits are properly set up.
To summarize what everyone has said: 1. Yes, an ex-spouse married 10+ years can file for benefits on your record (equals up to 50% of your FRA benefit amount) 2. The Government Pension Offset would reduce any spousal/ex-spousal benefit by 2/3 of his pension amount 3. He doesn't need your birthplace to apply - SSA has that information 4. There could be Medicare premium advantages even if his Social Security benefit is reduced to $0 by the GPO If you're uncomfortable, don't provide the information. He can work directly with SSA for any legitimate benefit application.
my husband had government pension (firefighter) and we went thru this whole mess last year. the GPO wiped out EVERYTHING he might have gotten from my record. total waste of time!!!! 😡
Quick update on what a "summary matrix" might be - after checking with a colleague who worked at SSA, they believe the representative might have been referring to a "Detailed Earnings Query" (DEQY) or "Summary Earnings Query" (SEQY), which are internal SSA documents that do sometimes carry a fee for copies (around $82 for a certified copy). However, these are earnings documents and completely unrelated to birth date corrections. For a simple DOB correction, you only need your birth certificate and ID. The representative was either confused or misinformed you.
Thank you so much for checking on this! I think you're right - they must have been confused. I managed to get through on the phone this morning (after several attempts), and the new representative I spoke with confirmed I only need my birth certificate and ID. I have another appointment scheduled for next week.
Glad to hear you got better information! DOB corrections are actually pretty routine for SSA. Make sure to bring the original birth certificate (or certified copy with the raised seal) to your appointment. Once corrected, I recommend printing a copy of your Social Security Statement afterward to verify the change was properly made in the system.
be carful about the GPO thing... it can really reduce ur benefits. my mom was a teacher in texas and lost almost ALL of her widow benefits bcuz of GPO. they took like 2/3 of it away!!! did anyone calculate how much ur actually gonna get after GPO reduction? might not be worth all this trouble honestly
This is exactly what worries me. I haven't had anyone calculate the exact GPO reduction yet. I know my PERA disability pension is about $2,450/month, and I believe my ex's Social Security benefit was around $2,800. Does anyone know how to calculate how much I'd actually receive?
The GPO reduction is typically 2/3 of your PERA pension amount. So if your pension is $2,450, approximately $1,633 would be deducted from any Social Security spousal or survivor benefit. If your ex's benefit was $2,800, you might receive around $1,167 monthly after the GPO reduction ($2,800 - $1,633). However, this is a rough estimate - the actual calculation can be more complex based on your specific situation.
DONT WAIT!!!! Contact your rep NOW! The backlog is getting WORSE not better. My mom waited 5 months for her widow benefits appointment and lost out on money because of it!!!
That's concerning to hear. I'll look up my representative's contact info today. Did your mom eventually get her retroactive benefits, or did she lose those completely?
Christopher Morgan
so sorry about ur son thats really tough. when we adopted our grandkids they told us we HAD to switch them to our benefits and we lost like $400 a month for each kid. later found out that wasnt true at all!! make sure u tell them specifically u just need to report the adoption but want to keep the kids on survivor benefits!!!!!
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Aiden Chen
•This is unfortunately a common misunderstanding, even among some SSA employees. The adoption doesn't require a benefit type change. If you have documentation showing they were receiving higher benefits before, you might want to request a reconsideration of that determination - you may be entitled to back payments for the difference.
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Jayden Reed
Just wondering - how old are you and your wife? If either of you are under Full Retirement Age and earn income, it could affect family benefits on your record (another reason to keep them on survivor benefits).
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Sophia Bennett
•I'm 68 and my wife is 67, so we're both past FRA. I still do some consulting work but it doesn't affect our benefits anymore. That's a good point though.
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