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Philip Cowan

Social Security payment center 'exceptions' holding up my GPO-repeal benefits - what's going on?

I filed for my ex-spousal Social Security benefits 7 weeks ago after the GPO repeal, but my claim is stuck at the payment center with no updates. I called SSA yesterday and the claims rep said my case has two different 'exceptions' that need clearing before payment can be processed. When I asked what that meant, she vaguely suggested it might be because my Medicare is through my own work record while these spousal benefits would be on my ex-husband's record. That explanation makes no sense to me - surely that's a common situation? My situation is pretty straightforward: I was a school administrator for 32 years (state pension), my ex worked at Boeing for 41 years. We were married 22 years before divorcing in 2003. I never remarried. We're both 78 now. This is my first time applying for any SS benefits since I qualified under the GPO repeal that passed this year. Has anyone dealt with these mysterious 'exceptions' before? I've received zero communication from the payment center directly. Could my online application have errors? Is there something specific I should request when I call back? I'm at a complete loss and the benefits would make a huge difference to my monthly budget.

Those 'exceptions' are actually system flags that get triggered when certain conditions in your claim need manual review. In your case, it's likely related to the GPO repeal implementation since that's very new and payment centers are still figuring out the processing details. Two common exceptions for ex-spousal claims involve: (1) verification of the divorce duration requirement, and (2) confirmation that your own retirement benefit would be less than the ex-spousal benefit. Since you've already been on Medicare through your own record, that might be creating a discrepancy the system flagged. I'd recommend calling the National 800 number and specifically requesting a 'status update on payment center exceptions.' Ask them to leave a message for the payment center requesting they call you regarding the specific exceptions. Also verify they have your correct phone number on file.

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Thank you for explaining what these 'exceptions' actually are! That makes much more sense now. I did provide my divorce decree with my application, but maybe they need to verify something else about it. I'll definitely call and request a status update on these exceptions specifically. Do you know how long payment centers typically take to resolve these kinds of issues? I'm getting concerned since it's been nearly 2 months.

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THIS IS HAPPENING TO EVERYONE WHO APPLIED AFTER THE GPO REPEAL!!! I'm in almost the exact same situation - 30+ years as a teacher, ex-husband worked in private sector, divorced 18 years ago. I applied the DAY the repeal went into effect and my claim has been sitting at the payment center for 9 WEEKS with these same "exceptions"!!! I've called SSA six times and gotten six different explanations. One rep told me they're processing GPO repeal claims in batches and I'm just waiting for my batch. Another said there's a "special review" for all teacher pensions. A third had no idea what I was talking about. It's INFURIATING because we're legally entitled to these benefits now and they're just sitting on our money while we wait!!!!

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I'm going through similar frustrations with my mom's claim (she was a nurse with state pension). When I finally reached someone at SSA who seemed knowledgeable, they said the payment centers are completely overwhelmed with GPO repeal claims - they got tens of thousands of applications all at once. They're apparently prioritizing by filing date, so that might explain the delay. Have you tried using Claimyr to get through to an agent faster? I was disconnected 4 times trying to reach SSA directly, then tried claimyr.com and got through in about 10 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU. It helped us get actual updates instead of vague responses.

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my uncle had similir problem last month w/ exceptions on his claim. he just kept calling til he got someone who new what they were doing. took him like 5 calls but then they fixed it in like 3 days once he found the right person! sometimes u just gotta be persistent lol

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That's good to know! I hate feeling like I'm bothering them with repeated calls, but maybe that's what it takes. Did your uncle have to ask for anyone specific like a supervisor or technical expert?

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nah he just kept asking if they could check the actual exceptions on the computer. alot of the reps didnt even check but then he got one who actully looked and saw it was just waiting for a supervisor to hit approve basically

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I'm a retired SSA claims specialist, and those payment center exceptions are likely related to the GPO repeal implementation. The payment centers are using special processing codes for these claims, and many of them require manual review to ensure accurate payment. A few things to consider: 1. When you filed, did you specifically reference the GPO repeal as why you're now eligible? If not, that could cause confusion. 2. Did you provide proof of your pension amount from your teaching career? This is essential for calculating the correct benefit amount. 3. Your Medicare being on your own record isn't unusual at all and shouldn't cause issues. I'd recommend requesting a "technical expert" when you call. They have more experience with complex claims. Ask them to send a "priority message" to the payment center requesting status on your specific exceptions. If you don't get resolution within another 2 weeks, contact your Congressional representative's office - they have liaisons who can expedite.

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Thank you for this detailed response! Yes, I did specifically mention the GPO repeal on my application and uploaded my pension award letter showing my monthly amount. That's why I was so confused about what could be causing these exceptions. I'll definitely ask for a technical expert on my next call and request that priority message. And I hadn't even thought about contacting my Congressional representative - that's a great suggestion if things continue to drag on. I really appreciate your insider perspective!

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i don't understand why everyone's so upset about waiting a few weeks. the government always takes forever for everything! my disability claim took 9 months to process back in 2021. just be patient, they'll get to it eventually.

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Maybe because many of us are on fixed incomes and desperately NEED this money? Maybe because we've worked 30+ years, paid into the system, and are legally entitled to these benefits? Maybe because we're in our 70s and don't have unlimited time to wait for bureaucratic nonsense? But sure, let's just be "patient" while bills pile up! 🙄

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wow no need to be so hostile. i was just saying this is normal for SSA 🤷‍♂️

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My situation was slightly different but I had an "exception" on my widower's benefits claim last year. Turned out someone had entered my birthdate incorrectly, just one digit off. Took 3 months to resolve because no one would tell me what the actual exception was. I finally got it fixed when I went IN PERSON to my local office and refused to leave until someone looked into it. Sometimes you just have to be the squeaky wheel.

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Oh that's concerning! I should probably double-check that all my information was entered correctly. Did you find that going in person was more effective than calling? I've been avoiding the local office because of the wait times.

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Definitely more effective in person. I brought all my documents and sat there until someone helped me. The rep actually called the payment center while I was there and got it resolved. If you go, arrive 30 min before they open to avoid the worst wait times.

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I had a similar issue with my ex-spousal benefits claim last month. After weeks of getting nowhere with the regular SSA number, I used Claimyr (claimyr.com) to get through to a representative without the endless hold times. They have a video demonstrating how it works: https://youtu.be/Z-BRbJw3puU The agent I reached was actually able to see the specific exceptions on my claim and explained that one was related to my pension verification and the other was a system flag for the GPO repeal claims. They sent a message to the payment center requesting urgent resolution due to financial hardship, and my claim was processed within a week after that. The key is getting someone who will actually look at the specific exceptions rather than just giving generic information.

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Thank you for sharing this! I'm definitely going to look into Claimyr. At this point, I'd do anything to avoid more hours on hold just to get vague answers. I'll try your approach of mentioning financial hardship too - it really is becoming one as this drags on. I appreciate the specific recommendation!

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Just a quick update on GPO repeal claims - I've heard from several clients that SSA is now starting to process the backlog more quickly. Several people who applied in the first month after the repeal just received approval notices this week. It seems like the payment centers finally received complete processing instructions about two weeks ago. One thing that might help: make sure your online my Social Security account is set up with accurate contact information. Some payment centers are sending electronic messages there rather than paper notices for these claims.

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That's encouraging to hear! I do have my mySocialSecurity account set up and I've been checking it daily, but so far nothing has changed on my claim status. I'll make sure all my contact information is up to date. Thank you for this update - it gives me some hope that there might be movement soon!

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