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Lucas Lindsey

Medicare eligibility mistake on SS ex-spousal benefits application - Will SSA fix this?

I'm in a complete panic about my application for Social Security ex-spousal benefits! I work as a teacher in a state where we don't pay into Social Security (only 18 years of FICA-covered work before teaching). When filling out my application, I mistakenly checked that my Medicare eligibility comes from MY OWN work record, but after researching more, I realized my Medicare benefits actually derive from my ex-husband's record since I don't have enough credits on my own (only need 9 more quarters but won't get them before retirement age). My application has been stuck at the payment center for over 3 weeks now. The status keeps changing from "processing" to "review needed" and back again. I called twice but both times after 2+ hours on hold, I got disconnected! Will SSA automatically correct this Medicare eligibility mistake? Or is this why my application keeps getting delayed? Should I submit some kind of amendment form? I'm supposed to retire at the end of this school year and I'm terrified this will mess up both my ex-spousal benefits AND my Medicare coverage!

Sophie Duck

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This is a fairly common issue for teachers and other government employees who work in non-covered positions (no FICA taxes). The good news is that you can definitely get this fixed! First, your ex-spousal benefits claim and Medicare eligibility are actually handled somewhat separately in SSA's systems. The mistake about Medicare eligibility won't necessarily impact your ability to receive ex-spousal benefits, assuming you meet all other requirements (marriage lasted 10+ years, currently unmarried or remarried after 60, etc.). You should contact SSA directly to provide this correction. You have three options: 1. Continue trying to call (though that seems problematic for you) 2. Schedule an in-person appointment at your local office 3. Write a statement of correction and mail it to your local office with your name, SSN, and claim number Get this addressed soon because it could potentially affect your Medicare enrollment when you become eligible.

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Lucas Lindsey

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Thank you so much for such a clear explanation! You're right - we were married for 13 years before our divorce, and I haven't remarried. I've been trying to call, but the wait times are beyond frustrating. Do you think showing up at the local office without an appointment would work, or is that a waste of time? I'm just so worried this will delay everything.

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the same thing happened to my sister who was also a teacher. She had to go into the office in person to get it fixed fast. dont bother with the phone its a nightmare lol

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Lucas Lindsey

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Thanks for sharing your sister's experience! Did she have to bring any special documentation with her to the office? I'm thinking I should gather everything before I go - marriage certificate, divorce decree, work history, etc.

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Anita George

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I went through something similar with my ex-spouse benefits application last year. The Medicare issue will definitely need to be corrected, but it won't necessarily prevent your ex-spousal benefits from being processed. However, it could cause delays. One thing to note - since you worked as a teacher in a non-Social Security state, you should be aware of the Government Pension Offset (GPO) which might reduce your ex-spousal benefits. Make sure you understand how your teacher's pension will affect your Social Security benefits. As for correcting the Medicare mistake, I'd recommend using a service called Claimyr (claimyr.com) to get through to an SSA agent quickly instead of waiting on hold for hours. They have a system that navigates the SSA phone tree for you and calls you back when an agent is on the line. I used it when I had issues with my application and it saved me hours of frustration. They have a video showing how it works here: https://youtu.be/Z-BRbJw3puU

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Is this Claimyr thing legit? Sounds too good to be true honestly. No offense but I'm always suspicious of third-party services that claim to help with government stuff.

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Anita George

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I was skeptical too, but it worked great for me. It's just a service that deals with the phone system - they don't access your personal SSA information or anything like that. They just get you connected to a real person at SSA much faster. Completely worth it given how impossible it is to get through these days.

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Lucas Lindsey

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Thank you for mentioning GPO! Yes, I'm painfully aware my teacher pension will reduce my ex-spousal benefits. I've calculated I'll still get about $875/month after the offset, which isn't much but helps. I'll check out that Claimyr service - at this point I'm desperate enough to try anything to talk to a real person!

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Logan Chiang

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THEY WONT FIX IT ON THEIR OWN!!!! My application was denied completely because of a simple error and I had to appeal. The system is BROKEN. Don't trust them to figure it out. You NEED to talk to someone directly and get written confirmation they fixed it!!!

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Isla Fischer

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Not always true. My daughter had an error on her survivors application and they corrected it without her having to do anything. Depends on the type of error and who reviews your file.

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Logan Chiang

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Well you got LUCKY then. Most people aren't so fortunate with SSA bureaucracy. Better safe than sorry.

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Just to add to what others have said, when I needed to correct information on my application last year, I found that sending a secure message through my mySocialSecurity account worked surprisingly well. I explained the error clearly in the message, referenced my application date and confirmation number, and got a response within about 5 business days saying they had updated my record. You might try that approach before spending hours on the phone or making a trip to the office. Just make sure your message is very specific about what needs to be corrected. Also, for what it's worth, errors related to Medicare eligibility are fairly routine for them to fix, especially in cases like yours where it's about whether the eligibility stems from your record or someone else's. It's not like you're trying to claim benefits you're not entitled to - it's just a matter of which work record establishes the eligibility.

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Lucas Lindsey

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I didn't even think of the secure message option! I'm going to try that right now. You're right that I'm still eligible for Medicare regardless - it's just a matter of which work record it's based on. Thank you for helping ease my anxiety about this!

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my frend had this same issue took 5 months to fix and they made her payback some $$ so def get it fixed asap!!!

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Sophie Duck

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Just to clarify something important here - the Medicare eligibility source (your work record vs. ex-spouse's) won't affect your premium amounts or coverage. It's simply about meeting the qualification requirements. As long as you or your ex-spouse has enough credits, you qualify for premium-free Part A. The correction is important for their records, but it won't change what you pay or what benefits you receive once it's sorted out. Regarding next steps, I'd recommend trying multiple channels simultaneously: 1. Send the secure message through mySocialSecurity as suggested 2. Try to schedule an in-person appointment 3. Consider the Claimyr service if phone is your preferred method Document everything, including dates of your attempts to correct this.

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Lucas Lindsey

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Thank you for the reassurance! I've sent a secure message through mySocialSecurity and I'm going to try to get an in-person appointment. If I can't get one soon, I'll try the Claimyr service. I'm keeping a log of all my contact attempts just in case I need it later. This group has been so helpful - I feel much better about handling this now.

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Question - are you at your full retirement age yet? Because if you're applying for ex-spousal benefits early, that affects the amount too, not just the GPO reduction. Just something to consider.

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Lucas Lindsey

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Good question! I'm 66 and 8 months, which is actually 2 months past my FRA. I delayed filing specifically to avoid early filing reductions, but with the application delays I'm worried about missing out on these 2+ months of payments I should be getting already.

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Isla Fischer

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if its at the payment center already they probably caught the mistake themselves. thats what that dept does - checks applications for errors. thats probably why its in review. i wouldnt worry too much

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Lucas Lindsey

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UPDATE: I finally got through to someone at SSA! I took the advice about using Claimyr, and it worked perfectly - got a callback with an agent on the line within 20 minutes. The agent confirmed they had already flagged the Medicare eligibility issue for correction (someone at the payment center caught it). She added notes to my file with the correct information and said my application should be processed within the next 7-10 business days. She also confirmed my benefit amount with the GPO reduction will be $892/month, and I'll receive back payments for the two months since my FRA. Thank you all for your help and suggestions! Such a relief to have this resolved.

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That's great news! So glad you got it sorted out. And good to know they had already caught the error - the system works sometimes!

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Logan Chiang

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Glad it worked out! Still think the whole system needs an overhaul but happy you got your issue fixed.

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