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wait i'm confused... isn't windexing for cleaning windows? lol what does that have to do with social security??
Haha, no - though that's an understandable mix-up! In Social Security context, people sometimes incorrectly use "windexing" to refer to detailed benefit calculations done through a program called WINDOWS (WINdfall Offset WorkSheet). But as another commenter correctly pointed out, WINDOWS is actually for worker's compensation offset calculations, not retirement benefit matrices. What OP needs is a month-by-month benefit calculation showing various claiming age options, which is a different service.
One more tip: When the technical expert does your calculation, make sure to ask about the impact of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) if you've ever worked for a government entity where you didn't pay into Social Security. These provisions can significantly reduce your benefits and aren't accounted for in standard calculations. Also, if you're planning on continuing to work while collecting benefits before your FRA, make sure they explain how the earnings limit would affect your payments. The benefit calculation matrix is much more useful when it includes these adjustments.
Has anyone actually successfully switched from one widow benefit to another? My mother tried to do this (switch from her second husband to first husband's record) and the SSA office gave her such conflicting information that she gave up. One person said she could, another said she couldn't - typical SSA confusion!
I successfully switched from my first husband's survivor benefit to my second husband's higher retirement benefit when he turned 70 (we were still married). Different situation, but yes, SSA will process benefit switches if you qualify. The key is getting to the right person who understands the rules. Using Claimyr helped me get to an experienced agent who processed everything correctly the first time. You can see how it works at https://youtu.be/Z-BRbJw3puU - helped me bypass hours of hold time.
I've been reading through all these comments and now I'm confused about one thing - when exactly should the original poster apply? Right at 60? A few months before? After? I know with regular SS retirement you can apply a few months early but when does that process start for widow benefits?
For widow's benefits, you can apply up to 4 months before you want benefits to begin. So if you want benefits to start the month you turn 60, you should apply when you're 59 years and 8 months old. It's best to apply early rather than late because survivor benefits can only be paid for up to 6 months retroactively, so if you wait too long, you could lose some payments you're entitled to receive.
Anyone else feel like the whole system is designed to be as frustrating as possible? 🙄 Good luck OP, you're gonna need it
Quick question - has anyone here successfully lowered their Medicare costs? I'm in the same boat as OP and could use some pointers.
unpopular opinion: the whole system needs an overhaul. it's ridiculous that we have to jump through so many hoops just to get basic help. 🤦♂️
Geoff Richards
Wait im confused...isnt SSI different from regular social security? Maybe the worker was talking about SSI which does have asset and income limits even after retirement age? Just wondering if there was a miscommunication about which program.
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Simon White
•Good point about potential confusion, but the OP clearly mentioned retirement benefits that started at age 65, which would be Social Security retirement (RSDI/Title II) not SSI (Title XVI). You're correct that SSI has strict income and asset limits at any age, but those rules don't apply to regular Social Security retirement benefits. The earnings test for retirement benefits disappears at FRA.
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Shelby Bauman
Thank you all so much for your helpful responses! I feel much better now knowing that the SSA rep was wrong and that my husband CAN earn unlimited income once he reaches his full retirement age next year without affecting his benefits. We'll definitely print out that SSA webpage for reference. And we'll make sure to verify that his benefit amount gets properly adjusted for any withheld amounts once he reaches FRA. What a relief - this means our retirement plan can proceed as we originally thought! I really appreciate everyone taking the time to help clarify this confusing situation.
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