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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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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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One more thing I forgot to mention - when you call back, try to use their exact terminology. Instead of just saying your daughter "needs care" or "has disabilities," be specific about the "exercise of parental control and responsibility" and that you "provide personal services, supervision and direction" - those are the exact phrases from their policy manual that they're trained to look for.
That's incredibly helpful! I'll make sure to use those specific phrases. I wasn't prepared for how technical the conversation would be last time.
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u should also think about taxes if u take ss and work parttime. my friend did that and got hit with a huge tax bill she wasnt expecting
Good point about taxes. Up to 85% of your Social Security benefits can become taxable depending on your combined income. If you work part-time while collecting benefits, more of your SS might be subject to income tax. This isn't a penalty, but it's definitely something to factor into your budget planning.
Thank you all for the helpful advice! I've decided to talk to my employer about reducing my hours first before completely retiring. If that doesn't work out, I'll go ahead with retirement knowing what to expect with the benefit reduction and making sure I handle the Medicare enrollment correctly. I'm also going to check my earnings record on my.ssa.gov to see if working longer would significantly improve my benefit calculation. I really appreciate all your insights!
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congrats on selling ur house! i bet u made a bundle in this market lol
Thanks! Yes, I did ok on the sale. It was getting to be too much to maintain by myself after my husband passed.
Just a note - if you had significant capital gains from selling your house last year, that could potentially affect your tax situation for that year specifically. For a single person, up to $250,000 in capital gains from selling a primary residence can be excluded if you lived there at least 2 of the last 5 years.
my friend has same situation and the apartment manager told her she needed some tax form for her rent but it was for low income housing tax credit thing not for normal taxes!!! maybe thats what ur landlord was talking about???
That could be it! He did mention something about needing to verify my income for the apartment. I'll ask him if that's what he meant. Thank you!
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My sister went thru this EXACT situation!!! The SSA is SO CONFUSING with all there rules!!! They make everything complicated ON PURPOSE I swear!! She had to go to the office THREE TIMES to get a straight answer because everyone told her something different!!!
While SSA rules can be complex, this particular situation is actually straightforward. The SSDI to retirement conversion is automatic, and one spouse's filing decision doesn't force the other spouse to file. No office visits are necessary for this.
wait tho aren't you entitled to half ur husbands benefit when he files? my neighbor got her own SS then got extra $ when her husband filed for his
You're only entitled to a spousal benefit if 50% of your spouse's Primary Insurance Amount (PIA, which is their benefit at Full Retirement Age) is higher than your own benefit. Since the original poster is receiving $2,100/month from her own work record, her husband's PIA would need to be more than $4,200/month for her to receive any spousal benefit. This is possible but above average. Your neighbor likely had a much smaller benefit on her own record compared to her husband's.
Kennedy Morrison
my cousin had hep c too and got it treated thank goodness! but he never thought about disability either, it's rough but he got through it too. glad your husband is doing better now!
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Jay Lincoln
•Thank you! Yes, the treatments have improved a lot over the years but it was still a really tough time. I'm glad your cousin recovered too!
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Jessica Suarez
One thing worth noting: If your husband's current benefit is lower than what you're entitled to as a spouse (potentially up to 50% of his full retirement age benefit), you might want to look into spousal benefits when you reach eligibility age. This could help maximize your household's total Social Security income, even if the disability option isn't available.
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Jay Lincoln
•Thank you for that suggestion! I'm actually 59 now and planning to work until at least 62, maybe longer depending on how things go. But I'll definitely look into the spousal benefit option when I get closer to retirement age.
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