Can't reach Social Security Administration? Claimyr connects you to a live SSA agent in minutes.
Claimyr is a pay-as-you-go service. We do not charge a recurring subscription.
Using Claimyr will:
- Connect you to a human agent at the SSA
- Skip the long phone menu
- Call the correct department
- Redial until on hold
- Forward a call to your phone with reduced hold time
- Give you free callbacks if the SSA drops your call
If I could give 10 stars I would
If I could give 10 stars I would If I could give 10 stars I would Such an amazing service so needed during the times when EDD almost never picks up Claimyr gets me on the phone with EDD every time without fail faster. A much needed service without Claimyr I would have never received the payment I needed to support me during my postpartum recovery. Thank you so much Claimyr!
Really made a difference
Really made a difference, save me time and energy from going to a local office for making the call.
Worth not wasting your time calling for hours.
Was a bit nervous or untrusting at first, but my calls went thru. First time the wait was a bit long but their customer chat line on their page was helpful and put me at ease that I would receive my call. Today my call dropped because of EDD and Claimyr heard my concern on the same chat and another call was made within the hour.
An incredibly helpful service
An incredibly helpful service! Got me connected to a CA EDD agent without major hassle (outside of EDD's agents dropping calls – which Claimyr has free protection for). If you need to file a new claim and can't do it online, pay the $ to Claimyr to get the process started. Absolutely worth it!
Consistent,frustration free, quality Service.
Used this service a couple times now. Before I'd call 200 times in less than a weak frustrated as can be. But using claimyr with a couple hours of waiting i was on the line with an representative or on hold. Dropped a couple times but each reconnected not long after and was mission accomplished, thanks to Claimyr.
IT WORKS!! Not a scam!
I tried for weeks to get thru to EDD PFL program with no luck. I gave this a try thinking it may be a scam. OMG! It worked and They got thru within an hour and my claim is going to finally get paid!! I upgraded to the $60 call. Best $60 spent!
Ask the community...
- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
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Thank you all for your helpful responses! I just got off the phone with my sister and shared all this information. She's going to apply right away - she had no idea there weren't any income/asset restrictions. We're going to try using that Claimyr service someone mentioned to get through on the phone since all the SSA offices near her have 2+ month appointment backlogs. I also explained the potential strategy of waiting until her FRA for the full 100% benefit, but she said she'd rather start receiving something now. She's planning to meet with her financial advisor next week to discuss the tax implications. Thanks again everyone - this community has been so helpful during a difficult time!
You're very welcome! One last tip - tell your sister to ask the SSA representative about the LUMP SUM DEATH BENEFIT when she applies. It's only $255, but many people don't know to ask for it and the SSA doesn't always volunteer the information. Every bit helps!
Social security is THEFT! They take our money our whole lives and then make it so complicated to get it back that half of people don't even get what they're entitled to! And what do you bet they'll change the rules again in a few years and cut benefits? The whole system is rigged!!
thats not helpful for the persons question... they just wanna know how to help their sister get benefits she deserves
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this reminds me I need to update my beneficiaries on my 401k... been meaning to do that since my divorce last year
Yes, definitely update those beneficiaries! It's something people often forget after major life changes, but it's so important.
One thing nobody mentioned - be careful with that financial advisor! My dad's advisor tried to get him to move money around after mom died and it turned out he was just trying to generate commissions. Make sure your advisor is a fiduciary (legally obligated to act in your best interest) and not just a salesperson. Some advisors don't understand how SS benefits work at all!
That's a really good point. He was my husband's advisor for years, but I'll definitely ask if he's a fiduciary. I hadn't even thought about the commission angle.
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my sister did this!! she took ss at 62 then decided to stop it when she got a part time job but the SSA people said she had to pay back ALL THE MONEY they already gave her!!! it was a nightmare dealing with them and they kept disconnecting her when she called... she ended up just keeping the benefits and dealing with the earnings limit thing instead
To summarize your options since there's some confusion in the comments: 1. If within 12 months of filing: You can withdraw your application (Form SSA-521), repay all benefits, and it's like you never filed. You can refile later for a higher amount. 2. If it's been more than 12 months since filing: You cannot suspend benefits until you reach Full Retirement Age (likely 67). 3. Working while receiving benefits: Subject to the earnings limit ($22,320 in 2025) until you reach FRA. Excess earnings result in withholding of benefits. The decision should be based on your short and long-term financial needs, life expectancy, and employment plans. There's no single right answer - it depends on your circumstances.
Thank you all for the detailed explanations. I think I need to reconsider my plans. I didn't realize there were so many restrictions on stopping benefits once started. Given my current situation, I might be better off waiting a bit longer before filing, especially if I think I might want to go back to work. The earnings limit would really complicate things for me.
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when you talk to ssa ask them what happens if u work part time instead of full time. i reduced to 25 hrs a week and now i get some survivors and its working better for me. less stress too
That's definitely something to consider. I've been thinking about scaling back anyway. Maybe this is the push I needed. I'll ask about different income scenarios when I meet with them.
Thank you everyone for the helpful responses! I've scheduled an appointment at my local SSA office for next week, and I'm gathering all the documents suggested. I'm going to ask about various scenarios with reduced hours too. It sounds like my original understanding was mostly correct, but the earnings test will likely eliminate most of my survivor benefits unless I cut back on work. I'll update after my appointment in case it helps anyone else in a similar situation.
Lukas Fitzgerald
my 2 cents - enjoy life NOW. my sister waited to retire "to get maximum SS" and passed at 67 before ever collecting a dime! with your family history, retiring at 60 sounds smart. the financial difference over time might not be as big as people think when u factor in actually GETTING the money for more years.
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Dyllan Nantx
One more important point: once you reach your Full Retirement Age, the earnings limit no longer applies. Before FRA, if you work and earn above certain limits ($21,240 in 2025), your benefits are reduced by $1 for every $2 you earn above the limit. If your husband plans to continue working while collecting, this could impact his benefits until he reaches FRA. And since spousal benefits are tied to when he files, this becomes part of your calculation too. For the most precise information, create a my Social Security account at ssa.gov to see your exact benefit estimates at various claiming ages.
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Destiny Bryant
•Thank you! I do have a my Social Security account but the estimates there seem to assume I'll keep working at my current salary until whatever age I claim benefits. Is there a way to calculate what happens if I stop working at 60 but don't claim until 62? Do those zeroes for 2 years hurt my average a lot?
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Dyllan Nantx
•Yes, you can adjust future earnings in your my Social Security account to see how different scenarios affect your benefits. Look for the "Change future earnings" option when viewing your estimated benefits. This will let you model stopping work at 60 while claiming at 62.
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