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There are always bills proposed to modify or eliminate WEP and GPO, but none have passed despite decades of attempts. The Social Security Fairness Act has been introduced in multiple sessions of Congress but has never been enacted. I wouldn't make planning decisions based on potential legislative changes - work with the current rules instead.
One other thing to consider - if your husband plans to keep working until next April but is reaching FRA before then, make sure he understands the earnings limit doesn't apply once he reaches FRA. My husband didn't realize this and unnecessarily delayed filing for a few months thinking he'd be penalized for his income. Just wanted to mention that in case it's relevant to your situation!
Has anyone here successfully gotten an increase in their SS payment after having cancer??? My dad is going through something similar and we keep hitting dead ends... SO FRUSTRATING!!!
I'm a volunteer with cancer patients, and while Social Security won't provide additional cash benefits beyond his retirement amount, please look into these resources that many miss: 1. Cancer Financial Assistance Coalition (CFAC) - searchable database of financial help 2. CancerCare provides small grants for treatment-related costs 3. Patient Advocate Foundation for help negotiating medical bills 4. If he was employed when diagnosed, check if his employer offered critical illness insurance 5. Veterans with cancer can access additional VA benefits if applicable Definitely apply for Extra Help with Medicare prescription drugs as others suggested - it can reduce costs dramatically.
One thing I want to clarify about divorced spouse benefits - you mentioned possibly being able to claim them at 60, but that's not accurate. Divorced spouse benefits based on an ex's retirement record (not disability) can only be claimed as early as age 62, and they're reduced if taken before your FRA. The benefit you can potentially claim at 60 is a surviving divorced spouse benefit, which only applies if your ex-spouse has passed away. Based on your post, it sounds like your ex is still living. Just wanted to clarify this point since there seems to be some confusion about the different types of benefits and their eligibility ages.
i think ur overthinking this... ur getting a decent benefit already and the stress of trying to figure out all this complicated stuff isn't worth it. just enjoy ur retirement and the money ur already getting! life's 2 short 2 spend it fighting with SS bureaucracy
Ava Martinez
my mom just prints all the papers they mail her, says its easier than the website lol. check your mail maybe they sent you the calculation?
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Sofia Gutierrez
•Good point! I've been trying to go paperless with everything, but maybe I should check if they mailed me more detailed information than what shows up online.
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Dmitry Petrov
I just checked my own account to verify - if you go to the Benefits Verification Letter in your Message Center, it should show your monthly benefit amount after WEP. Then you need to call SSA to ask for your pre-WEP amount, as I don't see it displayed clearly anywhere on the site. Also, if you haven't already, check if you qualify for the WEP guarantee provision - in some cases, your WEP reduction cannot exceed 50% of your non-covered pension amount.
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Sofia Gutierrez
•Thanks for checking your own account! I don't think I've heard of the WEP guarantee provision before - that's another thing for me to look into. I appreciate everyone's help with this confusing topic!
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