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one more thing DONT FORGET to return the last check if SS deposited money for the month she died!! they will take it back later anyway and charge you interest or penalties. they did this to my brother and it was a huge mess cause he spent the money not realizing
That's a really good point - thank you! I'll check with my dad about this right away. Mom passed on the 14th of last month, so I'm not sure how that works with partial months.
Anna Xian
•For Social Security benefits (including SSDI), if the person passes away at any point during a month, they are NOT entitled to the payment for that month. So if your mother passed on the 14th, the payment received for that month would need to be returned. If benefits are directly deposited, SSA will usually attempt to reclaim the funds electronically. If they can't, they'll send a notice requesting repayment. As the previous commenter mentioned, it's best to be proactive about this to avoid complications.
so sorry about your mom :( my dad died last year and we had to deal with all this ss stuff too. really stressful time. we found out the funeral home actually reported his death to ssa for us, maybe yours did too? might wanna check
Thank you. I'm sorry about your dad as well. That's a good point about the funeral home - I'll check if they reported it. We've been overwhelmed with everything and might have missed that detail.
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Ravi Sharma
WHY is everything with Social Security so COMPLICATED?! I swear they make these questions confusing on purpose. My sister answered this wrong and her application was delayed by TWO MONTHS while they sorted it out!!
Omar Fawaz
•i know right!! and then when u try to call them its impossible to get through. spent my whole day off work last week trying to reach someone!
Emma Davis
If you're unsure about this or any other question on your application, it's always best to include an explanation in the remarks section. Something like: "My mother received survivor benefits on my behalf from 1975-1981 after my father passed away." This additional clarity can help prevent processing delays.
Thank you, that's a great suggestion. I'll definitely add that explanation to make things clearer. I'm hoping to get this application submitted by the end of the week.
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CHECK HIS WORK CREDITS!!! my cousins husband got denied because he didn't have enough recent work credits even tho he worked for like 15 years but then took time off to be a stay at home dad for 3 years. you need to have worked 5 of the last 10 years i think
Paolo Marino
•That's correct - it's called the 'recent work test.' At age 42, he needs 20 credits total (5 years of work) AND 20 credits within the last 10 years. If he's been working steadily, he should meet this requirement easily.
Yara Khoury
Thanks everyone for all this helpful info! I'm going to sit down with him this weekend to create a plan. We'll double-check his work credits, make sure his neurologist documents everything thoroughly with specific mention of the Compassionate Allowance List, and prepare for that 5-month waiting period. His MS symptoms have gotten really severe (mobility issues, extreme fatigue, cognitive problems), so hopefully that will help with getting approved faster. I'm also going to have him set up an appointment with SSA using that Claimyr service to get specific estimates for his situation. Really appreciate all the insights - this is such a stressful time for their family and having some idea of what to expect financially makes a huge difference.
One last tip - have him keep a detailed symptom journal documenting how his MS affects daily activities. Include good days AND bad days, noting when he's too fatigued to perform basic tasks, when cognitive issues interfere with concentration, detailed mobility limitations, etc. This documentation is GOLD during the application process, especially if he needs to appeal.
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Sean Kelly
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.
Thank you so much for this clear summary! I've decided not to provide the birthplace information and instead suggested he work directly with SSA. Everyone's insights have been incredibly helpful.
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!!!! 😡
Yes, this is extremely common with the GPO. Most people with substantial government pensions end up with $0 in Social Security spousal benefits after the reduction. The system seems punitive to those who worked in public service.
Natasha Petrov
To clarify something important: With WEP, the maximum reduction in 2025 would be approximately $587 (50% of the first bend point). But since your husband has 22 years of substantial earnings under Social Security, his WEP reduction should be less than the maximum. Specifically, each year over 20 years reduces the WEP penalty by 5%. With 22 years, the reduction would be 10% less than the maximum, so approximately $528 instead of $587. If the SSA incorrectly thinks his pension just started, they might be applying some prorated calculation for 2025 only, which could explain the $150 difference. This is definitely worth pursuing with them.
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Amina Diallo
•Exactly right. Another thing that might be happening is they could be applying the WEP phase-in rules incorrectly. If they think the pension just started in 2025, they might be prorating the WEP reduction for that year, which would explain why their figure is $150 less than expected. It's a temporary advantage that would likely be corrected later and could result in an overpayment notice.
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Freya Andersen
my sister works for ssa and says their computer systems for wep calculations are from the stone age! human reps often have to manually override things. def talk to a person!
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