Can't reach Social Security Administration? Claimyr connects you to a live SSA agent in minutes.
Claimyr is a pay-as-you-go service. We do not charge a recurring subscription.
Using Claimyr will:
- Connect you to a human agent at the SSA
- Skip the long phone menu
- Call the correct department
- Redial until on hold
- Forward a call to your phone with reduced hold time
- Give you free callbacks if the SSA drops your call
If I could give 10 stars I would
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!
Really made a difference
Really made a difference, save me time and energy from going to a local office for making the call.
Worth not wasting your time calling for hours.
Was a bit nervous or untrusting at first, but my calls went thru. First time the wait was a bit long but their customer chat line on their page was helpful and put me at ease that I would receive my call. Today my call dropped because of EDD and Claimyr heard my concern on the same chat and another call was made within the hour.
An incredibly helpful service
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!
Consistent,frustration free, quality Service.
Used this service a couple times now. Before I'd call 200 times in less than a weak frustrated as can be. But using claimyr with a couple hours of waiting i was on the line with an representative or on hold. Dropped a couple times but each reconnected not long after and was mission accomplished, thanks to Claimyr.
IT WORKS!! Not a scam!
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!
Ask the community...
- DO post questions about your issues.
- DO answer questions and support each other.
- DO post tips & tricks to help folks.
- DO NOT post call problems here - there is a support tab at the top for that :)
Join the conversation
Join the conversation
This thread has been incredibly helpful! I'm 69 and turning 70 in July 2025, so I've been researching this exact same question. What really stands out to me from reading everyone's experiences is how consistent the advice is - apply 2-3 months before your 70th birthday with your birth month as the start date. The "monthly rule" that Yuki explained makes perfect sense, and hearing from people like Luca who just went through this process successfully is so reassuring. I've been bookmarking this thread to reference when I apply in April/May for my July start date. Thank you to everyone who shared their experiences - it's amazing how this community can turn what feels like a complex decision into a clear, confident action plan!
Welcome to the community! It's so great to see how this thread has helped multiple people who are in similar situations. I'm actually new here myself, but reading through all these detailed experiences has been incredibly educational. It's really reassuring to see such consistent advice from people who have actually been through the process - the 2-3 months early application with birth month as start date seems to be the universal recommendation. The fact that you're able to plan ahead for your July timeline based on everyone's shared knowledge here really shows the value of this community. Good luck with your application when the time comes!
I'm turning 70 in September 2025 and have been following this discussion closely - what an incredibly helpful thread! Reading through everyone's experiences has completely cleared up my confusion about timing. The consistent advice from people who have actually been through this process is so valuable. Like many others here, I was overthinking the exact day of my birthday (September 15th) and worried about losing delayed retirement credits. But understanding the "monthly rule" that Yuki explained - where you get full credit for the entire birth month regardless of the specific date - makes everything so much clearer. I'm definitely going to follow the proven formula: apply in June/July 2025 with September as my benefit start date. It's amazing how this community turned what felt like an anxiety-inducing decision into a straightforward action plan. The fact that delayed retirement credits stop accumulating after your 70th birthday month means there's literally no benefit to waiting beyond September in my case. Thanks to everyone who shared their real experiences - hearing from people like Luca who just completed this process and Andre who works at SSA gives me complete confidence in this approach. You've all helped me realize I've been overthinking something that has a clear, well-established process!
Join the conversation
Great to see this worked out for you! I'm actually in a similar situation - just got my login.gov set up for SSA and need to use it for another agency soon. Your post gave me the confidence to go ahead with it. It's reassuring to know that the system really does work as intended for most people. Thanks for following up with your results!
You're welcome! I'm glad my experience was helpful. It's funny how we all seem to have the same worry about messing up our existing accounts when trying something new with government systems. But yeah, login.gov really is designed to make things easier, not harder. Good luck with your new agency setup - I'm sure it'll go smoothly for you too!
Just want to add my experience for anyone else reading this - I've been using the same login.gov account for SSA, VA benefits, and USAJOBS for over a year now with zero issues. The key thing I learned is to make sure you complete the identity verification process fully when you first set up login.gov. Sometimes people rush through it and miss steps, which can cause problems later when connecting to additional agencies. Also, if you ever change your phone number or email, update it in login.gov BEFORE trying to access any of your connected services. This prevents most of the lockout issues people experience.
This is really helpful advice! I'm new to all this government login stuff and was wondering about the identity verification process you mentioned. How long does it typically take to complete that fully? I want to make sure I do it right the first time since I'll probably need to access multiple agencies eventually. Also, when you say "complete it fully" - are there specific steps people commonly skip? Thanks for sharing your experience!
Join the conversation
As a newcomer to this community, I want to thank everyone for such a comprehensive and helpful discussion! I'm 65 and will reach my FRA of 67 in about two years. Reading through all these real-world experiences has been incredibly reassuring and educational. What really stands out to me is how consistent everyone's experience has been once they reached their exact FRA - absolutely no earnings limits, no matter how much they earn from work. The distinction between "before FRA" (with earnings limits) and "after FRA" (complete freedom) is so much clearer now thanks to all of you sharing your personal stories. I'm currently making about $55,000 annually in my current job and was worried about whether I could continue working after filing for benefits. Now I understand that once I hit 67, I can work as much as I want without any impact on my Social Security payments. The peace of mind this gives me for retirement planning is enormous. Thank you all for being so generous with your experiences - it's exactly what someone new to this process needs to hear!
Welcome to the community! As another newcomer, I've found this thread absolutely invaluable for understanding the Social Security rules around working after filing for benefits. Your situation sounds very similar to mine - I'm also a few years away from my FRA and have been uncertain about how work income would affect my benefits. What really resonates with me from reading everyone's experiences is that there truly is this clear dividing line at your exact FRA date. Before that date, you're dealing with earnings limits and potential complications, but the moment you reach your FRA, it's like all those restrictions just disappear completely. The fact that you can continue your $55,000 job without any impact on your Social Security payments once you reach 67 is exactly the kind of real-world confirmation I needed to hear. It's amazing how much more confident this makes me feel about my own retirement planning. Thank you for adding your voice to this discussion - it helps to know there are others of us navigating these same questions and finding clarity through this community!
As someone who just joined this community, I have to say this thread has been absolutely incredible! I'm 64 and approaching my FRA of 66 and 6 months, and I was completely overwhelmed trying to understand the Social Security rules about working while collecting benefits. The SSA website made it so confusing with all the technical language. What's been amazing is reading all these real-world experiences from people who are actually living this situation successfully. The key insight that really clicked for me is understanding there are essentially two phases - before FRA where earnings limits apply, and after FRA where there are NO limits whatsoever. Seeing people like Connor, Yara, Danielle, and others share their actual experiences of working while collecting full benefits after reaching their FRA gives me complete confidence. I'm planning to continue my part-time real estate work that brings in about $42,000 annually, and now I know that once I hit my exact FRA date, I can earn that amount (or even more) without losing a single penny of my Social Security benefits. Thank you everyone for being so generous with sharing your personal experiences - it's exactly what newcomers like me need to make informed decisions about our retirement planning!
Join the conversation
Just wanted to add one more consideration - make sure to keep detailed records of your earnings throughout the year. SSA will want documentation when they do their annual earnings review, and having everything organized will make the process much smoother. Also, if your income varies month to month, you might want to estimate conservatively and report any changes to SSA promptly. They can adjust the withholding mid-year if your circumstances change, which could help you avoid overpayment situations that need to be sorted out later.
Great advice about keeping detailed records! I learned this the hard way when I went back to work after starting SS early. The annual earnings review can be a nightmare if you don't have your documentation organized. One tip - if you're paid hourly or have variable income, keep track of your monthly totals so you can predict when you might hit that earnings limit during the year. SSA's estimates aren't always accurate, and you don't want any surprises.
One more thing to consider that hasn't been fully addressed - the timing of when benefits get withheld during the year. SSA doesn't spread the withholding evenly across 12 months. They typically withhold your entire monthly benefit starting in January until they've recovered the projected annual withholding amount. So if they calculate you'll have $30,000 withheld for the year and your monthly benefit is $2,600, they'll withhold your benefits for about 11-12 months, then you might get benefits again in November/December. This can create cash flow challenges if you're counting on any SS income during certain months. Just something to factor into your budgeting when you take that job!
This is such important information! I had no idea they front-load the withholding like that. So basically I could go most of the year without any SS income, then suddenly get benefits again near the end of the year? That definitely changes my budgeting strategy. I was thinking it would be spread out more evenly. Thanks for explaining this - it's exactly the kind of detail that isn't clear on the SSA website!
Fatima Al-Sayed
Update? Did you ever find out what the payments were for? I'm curious because I just checked my account and saw a small deposit too!
0 coins
Jamal Edwards
•Yes! Finally got a letter yesterday. It was a combination of a Medicare Part B adjustment and a small COLA correction. The letter explained that they found some discrepancy when they were reviewing our file. So everything's fine - it was our money after all!
0 coins
Mia Rodriguez
Great to hear you got it sorted out! This is exactly why I always tell people to wait for the official explanation before panicking. The SSA may have old systems, but they're pretty good about sending documentation eventually. Thanks for updating us - it'll help other people who find themselves in similar situations. The Medicare Part B adjustments seem to be really common lately, probably because of all the changes to premium calculations.
0 coins
Selena Bautista
•Thanks for sharing the update! As someone new to Social Security (my spouse just started receiving benefits), this is really helpful to know. I was wondering - do these Medicare Part B adjustments happen automatically, or is there something we should be doing to make sure our records are accurate? I want to avoid any surprises down the road.
0 coins