my mom always said you should apply on your birthday month is that true?

You need to watch out because they make you pick a Medicare plan too when you file for SS if he hasn't already done that part. My husband got totally confused by all the Medicare options when he was trying to do his SS application. Just a heads up that might slow things down.

My brain hurts trying to understand all this lol. But I do know that the SSA workers are SUPER OVERWORKED so sometimes they don't have time to look into complicated cases. I would definitely try again and maybe go in person like others have said. Phone calls are useless for complicated stuff!!

One more important point that hasn't been addressed: Your friend mentioned her first husband was on disability when he died. This means his SSDI benefit amount would have already been calculated before his death, making it easier to determine what the survivor benefit would be with COLAs applied. She should request what's called a "Survivor Benefit Estimate" from both deceased spouses and compare them to her current benefit. If either would be higher, she can switch. The fact that the SSA representative dismissed her quickly suggests they either: 1. Didn't understand the full complexity of her case 2. Didn't check both deceased spouses' records with COLAs applied 3. Saw something specific that would disqualify her, but didn't explain it properly Definitely worth following up with a scheduled appointment. Make sure to bring: - Marriage certificates for both marriages - Death certificates for both husbands - Any old benefit award letters she might have kept - Her own Social Security statement showing current benefits Persistence often pays off with these complex cases.

Thank you everyone for the helpful advice! I'm definitely going to pursue this correction right away. I'll try to get the wage transcript from the IRS, gather my tax returns and pay stubs, and make an appointment at my local SSA office. The potential $300+ monthly difference is definitely worth fighting for, especially considering that's thousands of dollars every year for the rest of my life. I'll look into Claimyr too if I have trouble getting through on the phone. Does anyone know if there's a specific department at SSA that handles earnings corrections that I should ask for when I call?

my neighbor had something similar happen and it took TWO YEARS to fix!!! and then they had the nerve to say they "expedited" it!!! 🤬

I'm in a similar situation but decided to wait. Financially it makes more sense for most people unless you have health issues or really need the money now. That 30% permanent reduction is significant.

To calculate your specific amount with precision: take your annual earnings over the limit ($34,000 - $22,560 = $11,440), divide by 2 = $5,720 annual reduction. Then divide your full benefit by 12 months ($1,800 × 12 = $21,600 annual benefit). Subtract the reduction ($21,600 - $5,720 = $15,880 annual adjusted benefit). Divide by 12 to get monthly = $1,323/month approximately. Remember this is before any tax considerations. And the earnings limit typically increases slightly each year with inflation adjustments.

Yes, the Government Pension Offset (GPO) would still apply to spousal benefits if you receive a pension from work not covered by Social Security. The GPO typically reduces spousal/widow(er) benefits by 2/3 of your government pension amount. For example, if your government pension is $3,000/month, your spousal benefits would be reduced by $2,000. If the spousal benefit would have been $1,500, you'd receive $0 after the GPO reduction ($1,500 - $2,000 = less than $0). This is separate from the WEP, which affects your own benefit based on your own work record. The GPO affects benefits based on someone else's work record.

The whole WEP/GPO thing is just the government STEALING money from teachers and public servants who worked hard their whole lives!!! My aunt lost over $700/month because of this garbage. Called her congressman and everything but nothing changed. Complete scam!!!!