Social Security survivor benefits showing as 'suspended' - GPO repeal impact for teacher pension
I'm totally confused about my SS survivor benefits. I'm 85 and receive a non-covered pension from teaching for 35 years. My husband died 5 years ago after 62 years of marriage, and he had good SS earnings. At the time, I remember getting the $255 death benefit, but I can't recall if I applied for monthly survivor benefits or not. When I checked my SS account online (my granddaughter helped), it shows 'suspended' under benefits. Does that mean I did apply back then but wasn't eligible because of GPO? Now that GPO is being repealed, would I need to submit a new application? I'm worried I might be missing out on money that could really help with medical expenses.
20 comments
Jackie Martinez
Yes, 'suspended' typically means you applied for survivor benefits previously but they were affected by the Government Pension Offset (GPO). Since you receive a non-covered pension from your teaching career, the GPO would have reduced or eliminated your survivor benefits based on your husband's record. With the GPO repeal that was recently passed, you should definitely contact SSA to have your benefits reinstated. You don't need to submit a completely new application since you already have an established claim. The system should automatically review cases, but I would recommend being proactive.
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Monique Byrd
•Thank you! So i don't have to start over with paperwork? That's a relief. Do you know how long it might take for them to review my case? And will they pay retroactively from when the repeal takes effect?
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Lia Quinn
The GPO repeal just passed but doesn't take effect immediately!! It's phased in from 2025 to 2027, so don't expect full benefits right away. First year is 1/3 of benefits, second year is 2/3, and only in third year you get full amount. Call ssa to understand timeline for YOUR specific situation.
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Monique Byrd
•Oh my goodness, I didn't realize it was phased in! So even if I contact them now, I wouldn't get the full amount until 2027? That seems so long to wait at my age.
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Haley Stokes
my mom had the same thing happen!!! she taught for 40 years and her benefits said suspended too. we called last month and they said to wait until SSA sends out letters about the GPO changes because theyre still figuring it out. good luck!!
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Asher Levin
•That's so frustrating to be told to just wait. At 85 years old, every month matters. The SSA should prioritize seniors.
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Serene Snow
I work with retired teachers, and the "suspended" status definitely confirms you applied for survivor benefits in the past. The SSA database maintains this status when benefits have been claimed but aren't currently being paid due to an offset or other reason. Regarding the GPO repeal implementation: 1. The phase-in begins January 2025 (33% of benefit) 2. Increases January 2026 (66% of benefit) 3. Full repeal January 2027 (100% of benefit) You don't need to reapply, but you should contact SSA before January to ensure your information is updated. They'll need current pension amount information to calculate your new survivor benefit. Based on your age (85), you might also ask if there are any expedited procedures for beneficiaries over 80, as some SSA processes have special handling for advanced age cases.
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Issac Nightingale
•I read somewhere that the SSA is supposed to be identifying affected beneficiaries automatically and sending out notices. But we all know how THAT goes...better to be proactive and contact them yourself.
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Romeo Barrett
I struggled with the exact same issue trying to get my widower benefits after working for county government! The wait times to speak with someone at Social Security were impossible - I'd wait 2+ hours and then get disconnected. I finally found a service called Claimyr (claimyr.com) that got me connected to an agent in under 10 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU It was worth it because the agent confirmed I needed to provide updated pension information for my GPO recalculation and explained exactly what documents to bring to my in-person appointment. Saved me from making multiple trips.
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Monique Byrd
•Thank you for suggesting this! My arthritis makes it hard to hold the phone for long periods, and I've been disconnected twice already. I'll check out that website. I want to make sure I have everything ready when I call so they can help me right away.
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Asher Levin
The GPO repeal is LONG overdue!!! My mother was a teacher for 38 years and lost nearly $1800/month in survivor benefits after my father passed. The whole thing was government theft from our educators and public servants. At least they're finally fixing it, even if it's too late for my mom.
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Issac Nightingale
•Totally agree! My aunt lost out on over $200k in lifetime benefits because of GPO. The phased implementation is just another slap in the face. They should make it retroactive to compensate for all those years of unfair treatment.
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Haley Stokes
wait im confused...isn't GPO different from WEP? which one was repealed?
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Serene Snow
•They're related but different. GPO affects spouse/survivor benefits for people with non-covered pensions (like the original poster's teacher pension). WEP affects your own Social Security benefits if you have a non-covered pension. The recent legislation addresses the GPO only, not the WEP. So it only helps with survivor/spousal benefits, not with your own retirement benefits.
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Jackie Martinez
One important thing to check: What's your current monthly pension amount? The GPO repeal will help the most for people whose pensions are relatively modest compared to potential survivor benefits. In 2025, you'll be eligible for 33% of your survivor benefit regardless of pension amount. By 2027, you'll get the full survivor benefit amount. For example, if your potential survivor benefit is $2,400 monthly based on your husband's record, in 2025 you'd receive about $800 (33%) monthly, in 2026 about $1,600 (66%), and by 2027 the full $2,400. I recommend requesting an official benefit estimate from SSA for the most accurate information.
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Monique Byrd
•My pension is about $2,250 per month. I think my husband's benefit was around $2,900 when he passed. So potentially this could make a significant difference for me! I'll definitely call SSA to get exact figures. Thank you for explaining this so clearly.
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Haley Stokes
make sure u bring ur marriage certificate when u go to ssa!! my aunt had to reschedule her whole appointment because she forgot it and they wouldnt process anything without it even though shed been married 50+ years
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Monique Byrd
•That's a good reminder! I'll gather all my documents - marriage certificate, his death certificate, my pension statement, and my ID. Better to have too much than not enough.
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Serene Snow
Since you've already been identified in the system with a "suspended" status, SSA should theoretically process your case automatically when the GPO phase-out begins. However, based on my experience helping clients with similar situations, I strongly recommend: 1. Call SSA at 1-800-772-1213 to verify they have your current contact information 2. Ask them to note in your record that you're affected by the GPO repeal 3. Request written confirmation of your expected benefit amount starting January 2025 4. If you have online access, check your mySSA account monthly starting in December The SSA is likely to be overwhelmed with these adjustments, so being proactive will help ensure you don't fall through the cracks.
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Issac Nightingale
•This is solid advice. My neighbor was told they'd "get to it eventually" when she called about her GPO situation. The squeaky wheel gets the grease with government agencies.
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