Missed spousal benefits from ex-husband's Social Security - Can I get retroactive payments?
I finally started collecting my own Social Security retirement benefits in January 2025, but there's a problem with my ex-spousal benefits. My financial advisor told me I was eligible for an additional $410 per month based on my ex-husband's earnings record (we were married 12 years). When my benefits started, I was only getting MY benefit amount. I called SSA multiple times and after 3 months of confusion, they finally added the ex-spousal portion in April. But shouldn't those extra payments be retroactive to January? That's over $1,200 they still owe me! The SSA rep I spoke with yesterday just kept saying "the system shows your benefits are current" but wouldn't address the missing months. Has anyone dealt with this situation? Am I entitled to those backdated payments or am I out of luck? The whole process has been incredibly frustrating!
25 comments


CosmicCadet
YES! You are absolutely entitled to retroactive benefits from when you first qualified. This is a classic SSA processing error. I had almost the identical situation with survivor benefits last year. You need to specifically request what's called a "manual adjustment" for your ex-spousal benefits starting from your entitlement date in January. Make sure when you call to use these exact words: "I'm requesting a manual adjustment for underpayment of ex-spousal benefits from January through March 2025." Don't let them just say the "system is current" - that means current going forward, not that past errors were corrected. You should also submit a written request through your local office documenting this underpayment. Keep copies of everything!
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Mei Chen
•Thank you SO MUCH for this specific advice! I was beginning to think I was crazy or misunderstanding something. I'll definitely use those exact words about a "manual adjustment" when I call tomorrow. Should I also mention anything about interest on the late payments? And how long did it take for your situation to get resolved?
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Liam O'Connor
same thing happened to my sister!! took her like 6 phone calls and 2 visits to the local office before they actually fixed it and gave her the backpay. don't give up!!!
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Mei Chen
•Six calls?! Ugh, I've already made four and I'm exhausted. Did she have to speak to a supervisor to finally get it resolved? I'm wondering if I should just go directly to my local office instead of dealing with the phone system anymore.
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Amara Adeyemi
This is actually quite common with divorced spouse benefits. The problem is that different parts of your claim are often processed by different people/departments at SSA. What happened is your retirement benefit (RIB) was processed correctly, but your divorced spouse benefit (DRIB) wasn't triggered properly in the system. When they finally added it in April, the system only calculated current month forward because no one flagged it as a correction. You are 100% entitled to those retroactive payments from January-March. You need to speak with a Claims Specialist specifically (not just any SSA rep) and request: 1. A "critical payment" for the underpaid months 2. A formal review of your benefit computation date (BCD) Don't be surprised if they tell you it will take 30-60 days to process the underpayment once approved. That's standard for these types of corrections.
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Mei Chen
•Thank you for explaining this so clearly! I didn't realize there were different specialists I should be asking for. When I call back, I'll specifically ask for a Claims Specialist. Is there anything I should bring if I end up going to my local office instead? Any specific forms I should request or documentation I should have ready?
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Giovanni Gallo
The same thing happened to me but with widows benefits! I just gave up after trying for months because every time I called SSA I got different answers and waited FOREVER on hold. Some people told me I was eligible for backpay, others said no. So frustrating!!
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CosmicCadet
•You should absolutely not give up! The law is clear on this. If you were underpaid benefits you were legally entitled to, SSA MUST pay you the difference. There's no time limit on correcting underpayments. You could still file for that underpayment correction now, even if it was months ago.
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Fatima Al-Mazrouei
Getting through to SSA on the phone is the worst part of this whole process! I finally found a service called Claimyr that gets you through to a real person at Social Security without the hours of waiting. You can see how it works at https://youtu.be/Z-BRbJw3puU I used it when I had a similar issue with delayed disability payments, and was able to get my backpay approved in one call. It was worth every penny to not spend half my day on hold just to get disconnected. Just make sure you have your case details ready when you call through their service.
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Giovanni Gallo
•Oh wow, I've never heard of this! Does it really work? I'm so tired of calling at 8am exactly and still waiting 2+ hours.
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Fatima Al-Mazrouei
•Yes, it absolutely works! I was skeptical too, but it got me through to a representative in about 10 minutes. Just make sure you're prepared with all your information when they connect you.
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Dylan Wright
I HATE how SSA treats us like we're trying to scam them or something!! YOU worked and EARNED those benefits and your ex worked and you're entitled to those too after a long marriage! They act like they're doing us a favor by giving us OUR OWN MONEY BACK!!! The whole system is designed to wear people down until they give up. DON'T GIVE UP!!!
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NebulaKnight
•While I understand your frustration, it's important to remember that most SSA errors aren't malicious - they're the result of an understaffed agency dealing with extremely complex benefit rules and outdated computer systems. The frontline employees are often doing their best with limited resources. To the original poster: Be persistent but polite. Document every communication with SSA (date, time, representative name if possible, and what was discussed). Request a Benefit Verification Letter that shows when your ex-spousal benefits were added. This creates a paper trail that will help your case.
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Liam O'Connor
does anyone know if theres a form you can fill out for this instead of calling?? i hate talking on the phone lol
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Amara Adeyemi
•Yes, you can submit a Request for Reconsideration (Form SSA-561) to address benefit underpayments. However, in the case of obvious processing errors like this one, a phone call to a Claims Specialist is usually faster. If you prefer written communication, you could also use the message feature in your my Social Security account to request the correction, though response times vary significantly.
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CosmicCadet
OP - just checking in. Were you able to get this resolved? Any updates to share with the group?
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Mei Chen
•Update: SUCCESS!! I followed the advice here and specifically asked for a Claims Specialist and used the phrase "manual adjustment for underpayment." The specialist immediately understood the issue and confirmed I was owed the ex-spousal benefits from January-March. She said I should receive the payment within 2-3 weeks! I'm so grateful for everyone's help here. I never would have known what to say without your guidance. Will update again when I actually receive the payment.
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Sofia Ramirez
•That's fantastic news! So glad you got it resolved. Your success story will definitely help others who find themselves in similar situations. It's a great reminder that persistence pays off and using the right terminology makes all the difference when dealing with SSA. Thanks for following up - please do let us know when you receive that backpay!
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Ravi Choudhury
Congratulations on getting this resolved! Your story is exactly why I always tell people to document everything and know the right terminology when dealing with SSA. The phrase "manual adjustment for underpayment" is like a magic key that gets you to the right department. For anyone else reading this thread who might face similar issues: Mei's experience shows that persistence really does pay off. Don't accept "the system shows current" as a final answer when you know there's been an underpayment. SSA has an obligation to correct processing errors, and they will once you get to the right specialist. Thanks for sharing your success story - it's going to help so many people in similar situations!
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Jibriel Kohn
•This is such an encouraging thread to read as someone new to navigating Social Security! I'm not quite at retirement age yet, but seeing how the community came together to help Mei with specific terminology and strategies gives me confidence that there are knowledgeable people here who really understand the system. The fact that using precise language like "manual adjustment for underpayment" made such a difference is really valuable information. I'll definitely bookmark this discussion for future reference - thank you all for sharing your expertise!
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Kayla Jacobson
What a great outcome and such valuable information for the community! As someone who's helped family members navigate SSA issues, I can't stress enough how important it is to use the right terminology. The difference between getting a generic response and getting actual help often comes down to knowing phrases like "manual adjustment" or asking for specific specialists. For future reference, it's also worth noting that SSA has a legal obligation under Section 204(a) of the Social Security Act to correct underpayments regardless of when they're discovered. This isn't them doing you a favor - it's your legal right to receive all benefits you're entitled to. Mei, your persistence really paid off, and sharing your experience here will help so many others who might otherwise give up after the first few frustrating calls. The system can be incredibly difficult to navigate, but stories like yours prove that with the right approach and determination, you can get the resolution you deserve.
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Ava Harris
•This whole thread has been incredibly educational! As someone who's completely new to Social Security benefits, I had no idea there were such specific phrases and procedures that could make or break getting proper assistance. Reading about Mei's journey from frustration to success really highlights how important it is to be informed about your rights and to have the right language when advocating for yourself. The mention of Section 204(a) of the Social Security Act is particularly helpful - knowing the legal foundation gives you more confidence when pushing for what you're owed. It's also reassuring to see how supportive this community is. Everyone jumped in with practical advice, specific terminology, and moral support. This is exactly the kind of knowledge-sharing that makes these forums so valuable for navigating complex government systems. Thank you all for creating such a helpful resource for people dealing with SSA issues!
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Josef Tearle
This is such a valuable thread! As a newcomer to the community, I'm amazed at how knowledgeable everyone is about navigating SSA issues. Mei, congratulations on your success - your persistence really paid off! For others who might be reading this, I think this case perfectly illustrates why it's so important to understand that SSA errors are often systemic rather than intentional. The key seems to be knowing the right language and getting to the right specialist who can actually help. I'm bookmarking this thread as a reference guide. The specific phrases like "manual adjustment for underpayment" and requesting a "Claims Specialist" are golden nuggets of information that could save people months of frustration. It's also encouraging to see how this community rallies around members with practical, actionable advice rather than just sympathy. Thanks to everyone who contributed their expertise here - you've created a really helpful resource for anyone dealing with similar SSA processing errors!
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Felicity Bud
•Welcome to the community, Josef! You're absolutely right about the value of this thread. As someone who's also relatively new here, I've been impressed by how generous members are with sharing their hard-won knowledge about dealing with government agencies like SSA. What struck me most about Mei's story is how the solution ultimately came down to using precise terminology that signals to the system that you know what you're talking about. It's almost like having a secret code that gets you past the first level of generic responses to someone who can actually help. The community's emphasis on documentation and persistence is also really valuable. It's clear that many of these issues aren't resolved in a single phone call, but having the right approach from the start can save so much time and frustration. Thanks for highlighting those key phrases - I'm definitely saving them for future reference too!
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Kelsey Chin
As someone new to this community, I'm really impressed by the wealth of knowledge shared here! Mei, congratulations on getting this resolved - your story is incredibly helpful for understanding how to navigate SSA effectively. What really stands out to me is how crucial it is to use the right terminology. The fact that saying "manual adjustment for underpayment" was like a key that unlocked the right help shows how important it is to speak the agency's language. I had no idea there were specific phrases that could make such a difference in getting proper assistance. This thread is also a great example of why persistence matters when dealing with government agencies. It's easy to get discouraged after multiple frustrating calls, but your success shows that the right approach combined with determination really does pay off. Thank you to everyone who contributed their expertise here - this is exactly the kind of practical, actionable advice that makes this community so valuable for people navigating complex benefit issues!
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