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Social Security spousal benefits denied after GPO repeal - Medicare eligibility confusion

I'm completely confused about my Social Security spousal benefits situation after the GPO repeal. I have a state teacher's pension ($4,250/month) where I didn't pay into Social Security. I don't have the 40 quarters needed for my own SS benefits. When I turned 65 last year, I got Medicare through my husband's earnings record. The letter from SSA even stated: "You are entitled to monthly benefits as a dependent of the wage earner." So after the Social Security Fairness Act passed and GPO was repealed, I immediately applied for spousal benefits based on my husband's record. I just got notification that my application was DENIED! I'm still waiting for the explanation letter. I'm so confused - if I already qualified as a dependent for Medicare purposes, why would they deny my spousal benefits now that GPO is gone? Did the Medicare application somehow already establish a spousal benefit claim that's affecting this? Does anyone understand what might be happening here?

NebulaNomad

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I dont think Medicare and SS benefits work the same way. Just cuz you got Medicare doesn't mean you automatically get spousal SS $$. GPO repeal is supposed to help people like you but maybe there's something else? Have you called them directly and asked? The wait times are insane but that's probably fastest way to get answers.

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Ravi Sharma

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I've been trying to call for 3 days! Either busy signals or disconnected after 45+ minutes on hold. I'm starting to panic because what if there's some deadline I need to meet for appealing? The repeal was supposed to help people exactly in my situation with non-covered pensions who want spousal benefits.

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Freya Thomsen

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This is a complex situation that's creating confusion for many people following the GPO repeal. Let me clarify a few things: 1. Medicare eligibility as a spouse does NOT automatically establish a spousal benefit claim. They're separate programs with different rules. 2. Even with GPO repealed, there are still eligibility requirements for spousal benefits. Your husband must be currently receiving his own retirement or disability benefits for you to claim spousal benefits. 3. The implementation of the GPO repeal might also be causing processing delays or confusion at local offices as they adjust to the new rules. The most likely explanation is that your husband isn't currently receiving his own Social Security benefits, or there's a misunderstanding about the implementation timeline of the GPO repeal. The decision letter should explain the specific reason for denial.

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Ravi Sharma

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Thank you for this detailed explanation! My husband has been collecting his retirement benefits for 3 years now (he's 68). Could it be that they're still implementing the new rules from the repeal? The Social Security Fairness Act was just signed last month. Maybe they're still updating their systems? I'm so worried I'm missing something important here.

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Omar Fawaz

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The same thing happened to my mother!!! She worked for county government for 30 years, has pension, husband collects SS. Applied right after repeal and got denied too. The letter finally came and said something about "effective date of entitlement" being important. I think they're saying the repeal doesn't take effect immediately?? So confused.

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Freya Thomsen

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You've identified a critical point. The Social Security Fairness Act repealed GPO, but most provisions don't take effect immediately. There's typically an implementation period where SSA updates systems, trains staff, and prepares new procedures. The denial letter should specify if this is the case and provide information about when to reapply. If not, you should request a reconsideration with specific reference to the Social Security Fairness Act provisions.

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Chloe Martin

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I've been trying to get thru to SSA for WEEKS about my own GPO issues!!! This whole implementation is a MESS. Some offices seem to know whats happening others have no clue. The phone lines are impossible. Have you tried going in person to your local office?

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Ravi Sharma

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Not yet. My closest office is about 35 miles away, and I've heard horror stories about people waiting all day and still not getting seen. I was really hoping to get some answers by phone first. This is so frustrating!

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Diego Rojas

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You need to understand that your Medicare entitlement as a spouse is completely separate from cash benefits eligibility. That statement "entitled to monthly benefits as a dependent" is standard Medicare language and doesn't mean you're eligible for cash benefits. Most importantly, the GPO repeal implementation has a specific timeline. Benefits won't be adjusted automatically - you may need to reapply at the right time. When you receive your denial letter, it should specify the exact reason for denial and when you should reapply if it's related to the implementation schedule. In the meantime, I'd suggest requesting a reconsideration of the decision. You have 60 days from receiving the denial notice to file for reconsideration. Make specific reference to the Social Security Fairness Act and GPO repeal in your reconsideration request.

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Ravi Sharma

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Thank you for explaining this! I didn't realize there was a specific implementation timeline for the GPO repeal. That actually makes a lot of sense. I'll definitely file for reconsideration once I get the denial letter with the specific reason. Really appreciate the advice about the 60-day window - I had no idea about that deadline!

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my wife had almost same situation but we FINALLY got through on phone after trying for days and they said the system updates for GPO repeal haven't been completed yet!!! they told her to reapply next month when everythings supposed to be fixed in their computer system. Maybe thats your issue too???

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Ravi Sharma

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That might explain it! How were you finally able to get through on the phone? I've tried calling at different times of day but still no luck.

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StarSeeker

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After struggling with similar SSA phone issues, I finally found a service called Claimyr that got me through to an agent in under 10 minutes! It basically navigates the SSA phone system for you and calls you back when it reaches an agent. Saved me hours of frustration when I needed answers about my application status. There's a video showing how it works at https://youtu.be/Z-BRbJw3puU - definitely worth checking out if you're desperate to speak with someone about your case. Getting answers directly from SSA is critical with these GPO implementation questions.

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Ravi Sharma

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Thank you! I hadn't heard of this service before. I'm going to check out that video right now. At this point, I'd try anything to get actual answers from someone at SSA about my application!

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Omar Fawaz

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UPDATE: My mom finally got through to someone and they told her the GPO repeal benefits start paying out in JULY 2025! So even though the law passed, they're still denying applications until then. Did anyone else hear this???

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Diego Rojas

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This is correct. While the Social Security Fairness Act was signed into law, the actual implementation date for benefit payments is July 2025. SSA is currently working on updating their systems and procedures. You should still apply (or have your reconsideration on file) so you're in the system when the payments begin, but actual payments affected by the GPO repeal won't start until July 2025.

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