Social Security application verification call for husband at FRA who's still working - what to expect?

You've got most of it right! After submitting the online application, SSA sometimes schedules a follow-up call to verify information, but it's not always necessary if your application is straightforward. Since your husband is at FRA and the situation isn't complex, they might just process it without a call. Documents to have ready just in case: - Birth certificate (or passport) - Social Security card - Most recent W-2 or tax return - Marriage certificate (if you're applying for spousal benefits) - Direct deposit information Since he's at his FRA, you're correct that there's no earnings limit. You don't need to report ongoing income in the application, but he will need to report his earnings annually for tax purposes. SSA will automatically receive his earnings information through his employer's reporting. One thing to remember: even though he's applying now, benefits won't start until the month he specifies (April 2025). The first payment will arrive in May 2025 (SS pays a month behind).

when i did mine last year they NEVER called me!!!! just got a letter in mail 3 weeks later saying approved. check ur mysocialsecurity account online it will show status. and make SURE u screenshot the confirmation number when u submit application!!! i almost lost mine

Just went through this with my husband in June. He's 68 and still working part-time. The online application was pretty straightforward, but we DID get a verification call about 10 days after submitting. The call lasted maybe 15 minutes - they just confirmed the information he'd already provided online and asked a couple clarifying questions about a previous marriage. They didn't ask for any documentation during the call, but about a week later we received a letter asking for his birth certificate (even though he has a passport). We had to take it to the local office. One thing to note: if your husband is still working, make sure he understands the potential tax implications. Up to 85% of his SS benefits could be taxable depending on your combined income. We were surprised by this even though we should have known better!

I'm a former SSA claims specialist, and I can clarify a few things: 1. About 30-40% of online retirement applications require a follow-up call, based on various factors: - Missing or inconsistent information - Foreign work history - Periods of non-covered employment (govt pension issues/WEP) - Complex marital history - Eligibility for multiple benefit types 2. Since your husband is at FRA and still working, he's making the right choice by applying now. There's no penalty for working at or after FRA. 3. Verification calls typically focus on resolving specific issues rather than reviewing the entire application. If your application is complete and straightforward, you might not get a call at all. 4. Important tip: During the online application, there's a section about "When do you want benefits to begin?" Make absolutely sure this shows April 2025, not the current month. This is the #1 mistake people make. 5. After approval, make sure he creates a mySocialSecurity account if he hasn't already, as SSA is moving away from paper notices for many communications.

anybody know how long the onlone application takes to fill out? got a appointment to help my dad do this next week and trying to plan time

I've been trying to reach SSA for WEEKS about my husband's application that seems stuck in limbo. We submitted online in June, got a confirmation number, but nothing has happened since. The online status just says "processing" and we can never get through on the phone - just endless holds and disconnects. After 4 weeks of this frustration, I tried Claimyr.com and was able to get through to a live person at SSA in under 15 minutes! They have this video showing how it works: https://youtu.be/Z-BRbJw3puU The agent told us that our application was missing a document they needed (they never notified us) and we were able to get it resolved right away. Definitely recommend this service if you end up needing to speak with someone at SSA about your application status and can't get through the normal way.

IMPORTANT NOTE about the tax implications since your husband will continue working: You might want to consider having voluntary tax withholding from his Social Security payments. This can help avoid an unpleasant surprise at tax time. When completing the application, there's a section about tax withholding. You can elect to have 10%, 15%, 20% etc. withheld. Given his income level, I'd recommend at least 15% to be safe. Also, if you're eligible for spousal benefits (even if you have your own work record), this might be a good time to consider whether you should apply too. The rules around spousal benefits have changed in recent years, so it's worth checking if this applies to your situation.

One more thing to be aware of: Medicare enrollment. If your husband is already on Medicare, no action is needed. If he's not on Medicare yet but will be 65+ when benefits start, the retirement application will automatically enroll him in Medicare Parts A & B. If he has employer health insurance and wants to delay Part B (to avoid paying the premium while still covered), there will be a section in the application where he can decline Part B. This is important because Part B comes with a monthly premium that's unnecessary if he has good employer coverage. If he declines Part B now while having employer coverage, he'll qualify for a Special Enrollment Period when he eventually retires, avoiding the late enrollment penalty.

make sure u have marriage info!!! they asked my friend for date/place she got married AND divorced from 40 years ago!!! she had to find old papers