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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!
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Really made a difference, save me time and energy from going to a local office for making the call.
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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!
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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!
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Thank you all for the helpful responses! I just spoke with my husband and showed him all this information. We're going to apply this week but make sure his start date is set for April when he reaches FRA. So grateful for the warning about making sure they don't backdate his application - we wouldn't have thought of that! It's such a relief to know he can continue his part-time schedule without worrying about penalties. The Social Security website makes this all seem so much more complicated than it needed to be.
Glad we could help! One last tip - after you apply, check his my Social Security account online about a week later to verify the start date was entered correctly. You'll see the pending application with the month benefits begin. If it shows anything other than April, call immediately to have it corrected before processing completes.
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I'm not totally sure on this, but I think there's still a way to get spousal benefits while letting your own grow??? My sister-in-law did something like this just last year. You might want to ask specifically about that at your local SSA office.
With respect, this is incorrect. The restricted application strategy (claiming spousal while letting your own grow) is only available to people born before January 2, 1954. For everyone born after that date, when you file for any benefit, you are deemed to be filing for all benefits you're eligible for, and you'll receive whichever is higher. Your sister-in-law was likely born before that cutoff date, which is why she was able to use that strategy.
Update: I wanted to thank everyone for their advice. I scheduled a meeting with a financial advisor who specializes in Social Security planning for families with disabled dependents. Based on our discussion and your comments, I'm leaning toward working 2 more years past my FRA. The long-term security for my son is the deciding factor - knowing that he'll have a higher benefit available throughout his lifetime if something happens to both my wife and me. The potential tax changes would be nice, but as many of you pointed out, that's not something to bank on.
That sounds like a wise decision! Getting professional advice specific to your situation is always smart. One other thing to consider - if you're still working, you might look into an ABLE account for your son if you haven't already. It allows disabled individuals to save money (up to $16,000/year) without impacting their SSI eligibility. Could be another way to provide security.
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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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Just wanted to add - make sure you're using the 2024 earnings limit for survivor benefits at age 60, which is $22,320. Sometimes people use the wrong limit by mistake. And remember that only earned income counts - not investments, pensions, etc.
Yes, I'm using the correct limit for 2024. My earnings from my part-time job will be $22,339, which puts me $19 over. I don't have any other income that would count toward the limit.
WAIT! If you're only claiming in November, isn't there some kind of first-year rule where they look at your monthly earnings instead of annual? I feel like there was something special about the first year you claim benefits...
You're thinking of the Grace Year rule, but the original poster already mentioned that the monthly calculations wouldn't help because their earnings are higher in November/December (the months they're claiming benefits). The monthly limit would be $1,860, and if they earn more than that in those months, the Grace Year provision wouldn't be beneficial in this case.
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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