wait i thought SS only counted 30 years not 35??

Thanks everyone for the helpful information! Based on your responses, I'm going to download my earnings history and check my lowest-earning years in the top 35. Even though I've had 30+ years at max contribution, I definitely had some lower-earning years in my 20s that might get replaced. Seems like it's worth analyzing before I make my decision about continuing to work.

just wondering - did your sister ever work enough to qualify for Medicare on her own record? if shes getting SS benefits i assume yes but just checking cause thats important at her age too

After thinking about this more, I want to clarify something important: When your sister's husband eventually DOES file for benefits (whether now or later), she will automatically be eligible for the spousal benefit if it would increase her total benefit amount. The benefit calculation is: She gets her own benefit first, then an additional amount if the spousal benefit (up to 50% of her husband's PIA) would be higher. The early filing reduction from her claiming at 62 will affect the spousal amount, but she'd still likely see some increase. Also worth noting - if her husband passes away before her, she would be eligible for 100% of his benefit amount as a widow (assuming it's higher than her own). This survivor benefit can actually be a major factor in deciding when he should claim.

Your experience is exactly why so many fought for the WEP repeal. It's a positive step toward fairness for public servants who've been penalized for decades. For anyone else in a similar situation: if you're close to retirement age and were delaying your application because of WEP, it's worth reconsidering now. For those still confused about whether they should apply, here's a quick checklist: 1. If you'll be 62+ after Dec 31, 2024: No WEP reduction at all 2. If you were 62+ before Dec 31, 2024: WEP reduction gradually phases out over 10 years 3. If you're already receiving benefits: Your WEP reduction will gradually decrease The best advice is to create a my.ssa.gov account and check your estimated benefit amount. Then consider consulting with a financial advisor who specializes in Social Security claiming strategies, especially if you have a complex situation involving government pensions.

Yes, the WEP repeal does affect people who worked abroad and receive foreign pensions from countries that have totalization agreements with the US (like Canada). The Windfall Elimination Provision applied to foreign pensions from work not covered by US Social Security taxes, similar to how it affected US government pensions. Your husband's situation should be reviewed under the new rules. If he was already receiving reduced benefits due to WEP, he should see his benefit gradually increase over the next 10 years as the WEP phase-out is implemented. The Social Security Administration should automatically adjust his benefit amount - he doesn't need to take any action. However, it's always a good idea to contact SSA to confirm this is being handled correctly in his specific case. Keep in mind that international cases can be complex, and you might want to speak with an agent who specializes in international benefits.

Maybe I misunderstanding something - I thought the widow always gets the HIGHER of either their own benefit OR their deceased spouse's benefit? So if your mom is already getting the highest benefit (from husband #1), why would it matter if husband #3's benefit increases after WEP repeal? Wouldn't she just continue getting the highest one available?

Something else to consider: The GPO/WEP repeal proposals usually include a phase-in period, not an immediate full repeal. This means the full benefit increase would likely come gradually over several years. Given your mother's age, I'd recommend getting the information now so you're prepared to take action as soon as any legislation passes. While you're gathering this information, also ask about what documentation she might need to provide if she needs to switch to claiming on husband #3's record. Having these documents ready (marriage certificate, death certificate, etc.) can save time later.

when my husband died two years ago i had so much trouble with survivor benefits.... just keep calling til you get someone nice. theres good people and mean people at every office

Just to give you some peace of mind about your survivor benefits application - even if there was somehow an issue with your appointment (which is unlikely), you won't lose any benefits. Survivor benefits can be paid retroactively for up to six months from your application date. So even if you have to reschedule, you'll still receive all the benefits you're entitled to from your initial contact date. The SSA considers your first contact about applying as your protective filing date, which preserves your benefits while you complete the actual application. But definitely verify your appointment using the methods others have suggested. The national number (800-772-1213) is your best bet if you don't see anything in your online account.