Are SSA telephone appointments thorough enough for complicated Social Security issues?

I had a telephone appointment last month to discuss my retirement benefits and was pleasantly surprised by how thorough it was. The claims specialist spent nearly 45 minutes going through all my options, including spousal benefits since my husband is already collecting. They had all my earnings records ready and even calculated different scenarios for claiming at different ages. Just make sure you have all your documents ready (marriage certificate, spouse's death certificate, your SSN and his). I'd recommend writing down all your questions beforehand so you don't forget anything important.

telephone appointments are USELESS!! had 3 of them last year about my disability application and each time i got a different answer. they just want to rush you off the phone and half the time they dont even know their own rules!! WASTE OF TIME

My telephone appointment for survivor benefits was actually quite good. The rep walked me through all the details about when to claim based on my age (I was 60) and explained the reduction factors for claiming early vs. waiting until FRA. One thing to note - they won't make decisions for you, they'll just explain options. For your situation, make sure to specifically ask about the "restricted application" strategy if you're at FRA and about how your own work record compares to your late husband's. Also ask about the earnings test if you're still working.

I tried the telephone appointment route twice last month and the first time, after waiting for 2 weeks, they never called me! The second try was better, but I ended up using Claimyr.com to reach a live agent faster when I had follow-up questions. It helped me skip the usual 2+ hour hold times, and the agent I spoke with was incredibly knowledgeable about survivor benefit rules. Their video demo at https://youtu.be/Z-BRbJw3puU shows exactly how it works - basically gets you through to SSA in minutes instead of hours. Definitely worth it for complex questions like yours where you might need multiple conversations.

widow benifits r complicated, i messed up and claimed early at 60 b4 anyone told me i could wait for higher amount. make sure u ask them very clearly to compare numbers for all ages. my sister inlaw got a $900 diffrence by waiting!!!!!

Just had my telephone appointment yesterday about retirement benefits. The rep was knowledgeable but seemed rushed. Have your questions ready and be very direct. I felt like I was being hurried along when I tried to ask follow-up questions. Maybe try recording the call (just let them know you're doing it) so you can review the information later.

I work as a financial advisor specializing in retirement planning, and I've had many clients go through both telephone and in-person appointments with SSA. For complex situations involving survivor benefits, I generally recommend preparing extensively for whichever appointment type you choose. Create a document with: 1. Your specific questions listed in priority order 2. Your deceased spouse's earnings history and benefit amount if known 3. Your own earnings history 4. Your planned retirement age 5. Whether you expect any pension income subject to WEP or GPO Telephone appointments can be just as thorough as in-person if you're prepared. One advantage of telephone is that you can have all your documents and questions in front of you comfortably. The key is to be assertive if the rep tries to rush you - politely explain that you need clarity on these important decisions that will affect your financial future for decades.

my neibor had phone meeting and SSA made HUGE mistakes that took 6 months to fix!!! be careful what they tell u!!

Whatever you do, make sure you understand the "deemed filing" rules that came into effect a few years ago. They changed how claiming one benefit affects your ability to claim others later. Since you were widowed, you have more claiming options than someone who's just dealing with their own retirement benefit. The telephone appointments absolutely can cover these complex topics - I've had success with them - but don't let them rush you through this critical decision. And remember, if you're not satisfied with the answers you get, you can always request another appointment with a different representative for a second opinion.