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How long to receive confirmation after Form SSA-521 to stop Social Security benefits?

I submitted Form SSA-521 (Request for Withdrawal of Application) three weeks ago to stop my Social Security retirement benefits. I started collecting at 62 but got a really good job offer and want to wait until my FRA to maximize my monthly amount. The SSA office stamped my form when I handed it in, but I haven't heard anything back. How long should it take to get confirmation that they've processed my request and stopped my payments? My next direct deposit is scheduled for the 3rd and I'm worried they'll send another payment I'll have to pay back. Has anyone gone through this process recently?

Luca Esposito

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I submitted a Form 521 last year to withdraw my retirement application. It took about 5-6 weeks to get the official confirmation letter, but they did stop my payments right away. You should call the SSA at 1-800-772-1213 to confirm they received your form and are processing it. Ask them to make a note in your file about your withdrawal request in case another payment goes through. You'll eventually need to repay all benefits you've received so far, so keep that in mind with your financial planning.

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Zara Ahmed

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Thanks for the information! I've been trying to call that number for days but can't get through to a real person. I'm prepared to repay the benefits (about $7,250 so far), but I'm worried about the timing. Do you remember if they stopped your payment before you got the confirmation letter?

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Nia Thompson

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they might still send you next payment while processing form, happened to my uncle. dont spend it cuz youll have to give ALL money back that you got!!

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Zara Ahmed

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That's exactly what I'm worried about! Did your uncle have any issues with the repayment process?

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Mateo Rodriguez

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This is a common issue with Form SSA-521 requests. The processing time varies significantly by field office, but typically takes 4-6 weeks for full processing. However, the payment stoppage should happen within 2-3 weeks of receipt. A few important points: 1. The 12-month window for withdrawal is strict - it sounds like you're within this timeframe 2. You must repay ALL benefits received to date (including any benefits paid to dependents on your record) 3. You should request a receipt confirmation from SSA immediately The withdrawal process requires manual review and approval, which explains the delay. Your local field office must review your request, calculate repayment amounts, and submit it for processing.

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Zara Ahmed

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Thank you for the detailed explanation! Yes, I'm within the 12-month window (just barely - I started benefits 11 months ago). I didn't think to ask for a receipt confirmation beyond the stamp they put on my copy. Is there a specific way to request that?

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GalaxyGuardian

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I tried calling SSA for WEEKS about my disability application and could never get through. The wait times are insane right now! I finally used Claimyr (claimyr.com) and got connected to an SSA agent in about 15 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU Worth it to get confirmation they received your form before another payment goes through. They can also tell you exactly what stage of processing it's in right now.

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Aisha Abdullah

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does this claimyr thing actally work? i've been trying to reach ssa for a month now!

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GalaxyGuardian

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@profile8 Yes, it definitely works! I was skeptical too but after waiting on hold for 3+ hours multiple days in a row, I was desperate. Got connected to a real SSA agent quickly and they resolved my issue in one call.

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Zara Ahmed

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I'm going to try this today. I really need to confirm they received my form before that next payment date. Thanks for the suggestion!

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Ethan Wilson

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MAKE SURE YOU GET EVERYTHING IN WRITING!!! The SSA lost my paperwork TWICE when I tried to withdraw my application last year. They kept saying they were "processing" it but then claimed they never received it. I had to resubmit and it delayed everything by 3 months. I ended up getting an extra payment I had to pay back with interest!! The system is completely broken right now with staffing shortages.

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Luca Esposito

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This is good advice. Always get a receipt with a date stamp when submitting important forms to SSA, and follow up by phone or in person within 2 weeks. Document every conversation with the name of the representative, date, and a summary of what was discussed. Unfortunately, paperwork does occasionally get lost in the system.

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Yuki Tanaka

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When I submitted my Form 521 withdrawal, I was told it would take 30-45 days for complete processing. However, they did manage to stop my direct deposit before the next payment cycle. You might want to check your MySocialSecurity account online - sometimes the status updates there before you receive the official letter. Also, be prepared for the repayment process - they'll send you a letter with the exact amount you need to repay and instructions for making the payment. Make sure you follow those instructions exactly to avoid any issues with your future benefits when you eventually reapply at your FRA.

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Zara Ahmed

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I've been checking my online account daily but it still shows my current benefit amount with no indication of the withdrawal request. I'm getting really anxious about this! I'm glad to hear they stopped your payment before sending the official letter though - gives me some hope.

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Nia Thompson

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my brother inlaw had to wait like 2 months for them to even respond. the SSA is super slow with everything.

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Luca Esposito

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I just checked my records - my timeline was: - Submitted Form 521 on May 2 - Called to confirm receipt on May 16 (they had it in the system) - Payment scheduled for June 3 was stopped - Received official letter on June 28 - Repayment letter arrived July 5 - Made full repayment by July 20 - Confirmation of completed withdrawal August 2 So while the full process took about 3 months, the payment stoppage happened within about 2 weeks of their receipt confirmation. I'd definitely follow up by phone using the Claimyr service someone mentioned above since you're getting close to your next payment date.

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Zara Ahmed

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This timeline is SUPER helpful, thank you! I submitted my form on April 25th, so I'm already past the two-week mark with no confirmation. I'm definitely going to call today and make sure they have it in their system.

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Mateo Rodriguez

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Just to clarify an important point: if you're within your first 12 months of receiving benefits, you can withdraw your application using Form SSA-521. However, if you're beyond 12 months, you cannot withdraw but can suspend benefits if you're under FRA. The process and repayment requirements are different for suspension vs. withdrawal. Based on your situation (returning to work and wanting to maximize future benefits), withdrawal is the right choice as it allows you to reapply later as if you never filed early. Good luck with the process!

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Zara Ahmed

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Yes, I made sure to submit just before my 12-month deadline! I read that if I waited longer, I'd only be able to suspend benefits which wouldn't help me maximize my amount later. Thanks for confirming I'm on the right track!

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Zara Ahmed

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UPDATE: I used the Claimyr service mentioned above and actually got through to an SSA representative! They confirmed they received my form and it's in processing. They said they've already flagged my account to stop the next payment, so I shouldn't receive anything on the 3rd. Now I just need to wait for the official letters about repayment. Such a relief! Thanks everyone for your help.

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Yuki Tanaka

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Great news! Make sure to keep documentation of that call (date, time, representative's name if possible) just in case there are any issues. When you get the repayment letter, be prepared to return the full amount quickly - they won't process your withdrawal as complete until they receive the repayment.

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