Can I get 6 months retroactive Social Security spousal benefits after GPO repeal if we're past FRA?
Hello everyone, I'm in a bit of a pickle and need some advice about retroactive benefits. My situation: both my husband (72) and I (70) are past our full retirement ages. He's been collecting his Social Security for about 3 years now. I was a teacher for 31 years in Ohio, so I never qualified for much SS on my own record due to the Government Pension Offset (GPO). Now that they've repealed GPO, I just submitted my application for spousal benefits last week! The question is: I forgot to ask about retroactive benefits during my application. Is it too late to request that my spousal payments start six months before my application date? I've heard you can get retroactive benefits when you're past FRA, but I'm not sure if I missed my chance by not mentioning it during the initial application. Has anyone dealt with this specifically after the GPO repeal? Thank you so much for any guidance!
21 comments
Khalil Urso
you can definitely still request retroactive benefits! i didn't ask during my initial application either but called them a week later and they added it no problem. just call ssa asap before they finish processing your application.
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Nasira Ibanez
•Thank you for responding! I've been trying to call for two days but can't get through - do you think I could just go to my local office instead? Or is there a specific number that worked better for you?
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Myles Regis
Yes, you can absolutely request retroactive benefits! Since both you and your husband are past Full Retirement Age, you're eligible for up to 6 months of retroactive spousal benefits from your filing date. The GPO repeal doesn't affect this particular rule. You have two options: 1. Call the SSA at 1-800-772-1213 and request that they add the retroactive benefits to your pending application. 2. Visit your local SSA office in person with your application confirmation number. I recommend doing this ASAP, ideally before they finish processing your current application to avoid complications. Make sure to specifically request "6 months retroactive benefits" when you speak with them.
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Brian Downey
•This isn't completely accurate. The retroactive period for spousal benefits can actually go back 12 months, not just 6, if you've been eligible that whole time. But since the GPO repeal just happened, the max retroactive would only be to the effective date of the repeal.
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Jacinda Yu
I just went through almost the exact same situation! I was also affected by GPO (worked for county government in California) and applied for spousal benefits after the repeal. I forgot about retroactive benefits too, but was able to call Social Security and have them add it to my application. The key is contacting them BEFORE they finish processing. In my case, I couldn't get through on the phone for days - it was beyond frustrating. I finally used a service called Claimyr (claimyr.com) that got me connected to an agent in about 20 minutes instead of waiting on hold for hours. They have a demo video at https://youtu.be/Z-BRbJw3puU that shows how it works. It was worth it because I got my retroactive benefits added - that's a significant amount of money! Make sure to specifically ask for 6 months retroactive benefits based on being past your FRA. Good luck!
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Nasira Ibanez
•Thank you so much for sharing your experience! That's exactly what I needed to hear. I'll check out that service since I've been having the same frustration with the phones. Did they ask you for any additional documentation when you requested the retroactive benefits?
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Jacinda Yu
No additional documentation was needed for the retroactive request itself. They already had everything they needed from my original application. The agent just added a note to my file requesting the 6 months retroactive. The whole call took maybe 10 minutes once I actually got through to someone!
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Landon Flounder
•Did this claimyr thing actually work? i'm always skeptical of these services that claim to bypass govt wait times... seems too good to be true
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Jacinda Yu
It did work for me! I was skeptical too, but after trying to get through for 3 days on my own, I was desperate. The way it works is they keep dialing and navigating the phone tree for you, then call you when they have an agent on the line. I was connected in about 25 minutes.
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Callum Savage
•I used something similar last year when I needed to talk to someone about my Medicare enrollment. Anything is better than listening to that terrible hold music for hours!!!
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Ally Tailer
THE SSA SYSTEM IS COMPLETELY BROKEN!!!! I spent WEEKS trying to get through about MY GPO situation and ended up having to go stand in line at the office at 6AM just to talk to someone. They should make this retroactive benefit automatic for everyone who qualifies instead of making us jump through hoops. WHY do we have to specifically request something we're entitled to?? RIDICULOUS!
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Brian Downey
•I feel your frustration but the retroactive benefit isn't automatic because not everyone wants it. Some people prefer to start benefits from their application date due to medicare coordination or tax planning. But I agree the phone system is terrible!
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Myles Regis
To clarify some conflicting information in this thread: The retroactive period for Social Security benefits can be up to 6 months when you're past Full Retirement Age. For disability claims, it can be up to 12 months, which might be where the confusion comes from. Regarding the GPO repeal specifically: You're eligible for retroactive benefits for the 6 months prior to your application, but only if the GPO repeal was already in effect during those months. If the repeal date falls within that 6-month window, you'd only get retroactive benefits back to the repeal effective date. I hope this helps clear up any confusion!
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Nasira Ibanez
•Thank you for the clear explanation! That makes perfect sense. Since the GPO repeal is recent, I should still qualify for some retroactive benefits, but maybe not the full 6 months. I'll definitely make sure to ask about this specifically when I talk to SSA.
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Callum Savage
my sister had the same thing happen and she just went to the office in person. took all morning but she got it fixed that day instead of waiting on hold forever. bring a book if you go that route lol
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Nasira Ibanez
•That's good to know! Our local office is about 30 minutes away, and waiting there might be better than constantly redialing. I'll bring coffee and a good book!
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Brian Downey
Just wanted to add that when I was in a similar situation (though not GPO-related), I was told I needed to submit a written statement requesting retroactive benefits. I don't know if that's standard practice or if it was just that specific representative, but you might want to prepare a brief statement explaining that you're requesting 6 months retroactive spousal benefits based on both you and your husband being past full retirement age. Good luck!
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Khalil Urso
just wondering did u check ur my social security account online? sometimes u can see if they started processing ur application and what status its in. might help u know how urgent it is to contact them!
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Nasira Ibanez
•Good idea! I just checked and it shows "processing" but doesn't give any other details. I think I need to contact them ASAP before they finalize everything.
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Myles Regis
One final tip: When you do reach someone at SSA, make sure to get a confirmation number or reference number for your retroactive benefits request. Also ask them to send you a confirmation letter documenting that they've added the retroactive request to your application. This will make it much easier to follow up if there are any issues later.
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Nasira Ibanez
•That's excellent advice! I'll definitely ask for confirmation in writing. I've learned from experience that having documentation saves so much trouble down the road. I'll update here once I've been able to talk to someone at SSA. Thank you all for your helpful suggestions!
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