Social Security phone appointment nightmare - waited 2+ hours and still no answers
Just spent my entire afternoon trying to get simple answers from the SSA about my retirement benefits. I'm planning to file in about 8 months (turning 67 in September), but had some questions about how my pension will affect my benefit amount. I tried calling the national number to schedule a phone appointment, but I either get disconnected with the "all representatives are busy" message or end up in a 2+ hour hold queue that I can't wait in (I'm still working full-time). When I tried the local office number, I couldn't find any option to schedule a future appointment—just the same endless hold. I only have 3 specific questions that would take maybe 10 minutes to answer! Is there any way to actually schedule a phone appointment rather than having to take time off work to physically go to an office? I'm getting so frustrated with this process and I haven't even applied yet!
17 comments
Mateo Hernandez
I went through the same thing last month! The secret is to call your local office right when they open at 9am. I got through in about 20 minutes that way. Also, if you're asking about WEP (Windfall Elimination Provision) or GPO (Government Pension Offset), make sure you specifically mention those terms when you get someone on the phone - not all reps are familiar with those calculations.
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Nia Jackson
•Thanks for the tip! Yes, it's exactly about the WEP—I worked for a state agency for 18 years where I didn't pay into Social Security. I've heard different things about how much my benefit might be reduced, so I really need to speak with someone who knows the specifics of my case. I'll try right at 9am tomorrow!
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CosmicCruiser
The phone system is definitely challenging, but there's actually a specific way to request a scheduled callback appointment. When you call the national number (1-800-772-1213), press 1 for English (or 2 for Spanish), then press 7 for other questions, then 5 to speak with a representative. Once connected, immediately ask for a "scheduled appointment" rather than trying to get your questions answered on that call. Be very specific that you need a future scheduled appointment with a claims specialist who can review your WEP situation. They typically schedule these 2-4 weeks out but at least you'll get a specific time slot rather than waiting on hold indefinitely.
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Aisha Khan
•This exactly!! I wasted sooo much time trying different options until someone told me this trick. The menu system is completely unintuitive and they dont tell u anywhere on their website how to actually schedule ahead.
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Ethan Taylor
I had the same issue with the endless hold times and gave up after multiple attempts. Then I discovered Claimyr (claimyr.com) which got me through to an SSA agent in under 20 minutes. I was skeptical at first but it worked perfectly for my retirement benefits questions. There's a video showing how it works here: https://youtu.be/Z-BRbJw3puU - they basically navigate the phone tree for you and call you when an agent is on the line. Saved me hours of frustration, especially when I had specific WEP questions like yours that required talking to someone knowledgeable.
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Nia Jackson
•I've never heard of this service before. Does it actually work? I'm willing to try anything at this point. These endless holds are making me crazy, especially when I'm trying to squeeze calls in during my lunch break.
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Ethan Taylor
•Yes, it definitely worked for me. I was surprised too. I had been trying for almost two weeks to get through on my own with no luck. They called me back in about 15 minutes when they had an agent on the line. The agent was able to answer all my questions about how my pension would affect my Social Security benefits.
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Yuki Ito
If ur only wanting quick answers u can try the online chat at ssa.gov!!! I used it last week to ask about my moms survivors benefits and it was WAY faster than calling. But idk if they can help with complicated pension stuff like urs tho 🤔
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Carmen Lopez
•I tried the chat but they couldn't help with actual benefit calculations. They just sent me links to publication PDFs! Complete waste of time for anything beyond the most basic questions. The chat agents don't have access to your personal record.
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Andre Dupont
This is exactly why I ended up just going into my local office. The phone system is absolutely terrible. I spent three separate days trying to get through by phone before giving up and making an in-person appointment. The good news is that the in-person experience was much better - I only waited about 30 minutes past my appointment time and the claims specialist was very knowledgeable about WEP calculations. Your local office might have specific "pension expert" days when someone who specializes in WEP/GPO situations is available. Might be worth asking about that, especially since your situation involves past government employment that didn't pay into Social Security.
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Nia Jackson
•That's helpful to know. I was trying to avoid taking time off work, but maybe I should just bite the bullet and schedule an in-person appointment. Did you have to bring specific documentation about your pension when you went in?
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Andre Dupont
•Yes, definitely bring your most recent pension statement showing your expected monthly benefit and any documents about when you'll start receiving it. Also bring proof of your non-covered employment (W-2s or earnings statements from those years if you have them). The more documentation you have, the more accurate their estimate will be. My rep actually recalculated my WEP reduction on the spot when I showed him my pension details.
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Aisha Khan
OMG the SS phone system is THE WORST!!! i spent 3 HOURS on hold last month and then got disconnected right when someone picked up!! i was so mad i could've screamed. ended up having to take a day off work to go in person. this is why ppl hate dealing with government agencies!!
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Yuki Ito
•Same thing happened to my dad!!! He was on hold for like an hour and a half and then the call dropped. He was trying to fix a mistake they made on his COLA increase. So frustrating!!!
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Nia Jackson
UPDATE: 1/17 I called the local office right at 9am like someone suggested and was on hold less than 15 minutes! I spoke with the agent for about 5 minutes and got answers to all three of my questions. And I'm really glad I called - my calculations about how the WEP would affect my benefit were off by almost $300/month. Now I have the correct numbers and can make a more informed decision about when to file. Thank you all for the helpful suggestions!
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CosmicCruiser
•That's great news! I'm glad you were able to get through and get accurate information. The WEP calculations can be really confusing, and it's always good to have exact figures when planning your retirement. $300/month difference is substantial over the long term!
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Mateo Hernandez
•So glad it worked out! Early morning really is the key with SSA. And getting the right WEP calculation is critical - many people don't realize how much their non-covered pension can affect their Social Security benefit. Smart move getting this figured out 8 months before you file.
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