Survivor benefits approved but my own SS retirement estimates disappeared from account - normal?
I'm a 58-year-old widow and finally applied for survivor benefits last month after my husband passed away about 3 years ago. We were married for 36 years. I decided to take the survivor benefits now and let my own retirement benefits continue growing until I reach my full retirement age (67). Yesterday I got notification that my survivor benefits were approved (there's an approval letter in my online account), but I noticed something strange - all the estimates for my own future retirement benefits have completely disappeared from my SSA account dashboard. Is this supposed to happen? I was counting on being able to monitor my own benefit growth to decide when/if I should switch over from survivors to my own retirement. Does anyone know if this is normal or if there's a way to still see my own benefit projections?
18 comments


Laila Fury
Yes, this is totally normal! The same exact thing happened to me 2 years ago. Once you start receiving ANY kind of SS benefit, they remove the estimates from your online account. It's super frustrating because you'd think they'd still show you the potential growth of your own benefits so you can make informed decisions. But nope, that would be too logical for the SSA system lol.
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Hazel Garcia
•Thanks for confirming! It seems weird they'd remove such important information right when you need it most for planning. Do you know if there's any way to still get estimates for my own benefits as they grow?
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Geoff Richards
cant u just call them and ask? my sister had question bout her widows bennys and she jus called the 800 number
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Simon White
•HAHAHA good luck with that!! I've tried calling SS at least 20 times in the past month and NEVER got through to anyone!!! Either wait 2+ hours or get disconnected. The whole system is BROKEN!
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Hugo Kass
This is standard procedure when you begin receiving benefits. The online estimate tool is only available to those not currently receiving any benefits. However, you still have options to track your potential future benefits: 1. You can request a benefit calculation by visiting your local SSA office in person 2. You can use the "my Social Security" message feature to specifically request an updated calculation of your retirement benefit at FRA 3. You can calculate it yourself (though less accurately) by using your earnings history and the SSA's weighted formula Keep in mind that your survivor benefit amount will be compared to your own retirement benefit when you reach FRA, and SSA will automatically give you whichever is higher. But it's still helpful to track this yourself for planning purposes.
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Nasira Ibanez
•This happened with my mom too! But when she went to the SS office they told her they'd mail her an estimate every year if she requested it. Did you know you can do that?
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Khalil Urso
I had the exact same issue last year! Lost my husband after 29 years together and decided to take survivor benefits at 60 while letting my own grow. When the estimates disappeared, I was so confused and worried. The trick I found was to use the claimyr.com service to get through to an actual SSA agent by phone instead of waiting for hours. Their video shows how easy it is: https://youtu.be/Z-BRbJw3puU. The agent explained everything to me and even sent me updated estimates for my own benefits at different ages. Totally worth it because I needed that info for my retirement planning spreadsheet!
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Hazel Garcia
•Thank you for this suggestion! I'm definitely going to check out that service. I really need to speak with someone at SSA to understand how my benefits will grow, and the thought of waiting hours on hold is so discouraging.
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Geoff Richards
my aunt got widows benefits at 60 and switched to her own at 67 cause it was bigger by then. they should tell u when its time to switch
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Hazel Garcia
•That's reassuring. I'm hoping my own will grow larger by FRA, but I really want to be able to monitor it rather than just trust they'll tell me.
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Myles Regis
The real QUESTION is why does the SSA make EVERYTHING so complicated?!?! They deliberately hide information from us and expect us to make huge life decisions without proper data! I've been fighting with them for YEARS about my disability claim and they constantly withhold crucial information. This system is DESIGNED to confuse people and deny benefits!!
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Nasira Ibanez
•That's not really what she was asking about though... but sorry about your disability claim troubles :
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Hugo Kass
A quick update on your situation: you can specifically request what's called a "Statement of Potential Benefits" by completing form SSA-7004 (Request for Social Security Statement). This will give you projections of your retirement benefit separate from your current survivor benefit. Also, each year when you receive your annual benefit statement that shows your current survivor benefit, it should include information about other potential benefits you might be eligible for in the future. Finally, remember that you can switch from survivor benefits to your own retirement benefits at any point after age 62. The ideal switching strategy depends on the relative benefit amounts and your life expectancy.
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Hazel Garcia
•Thank you so much for this detailed information! I'll definitely request the Statement of Potential Benefits using that form. It's a relief to know there's a specific process for this situation.
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Laila Fury
Just wondering - did you check your earnings record on your SS account to make sure it's correct? When my estimates disappeared, I later found out there were some missing earnings in my record that would have affected my benefit calculation. Might be worth double-checking while you're sorting this out!
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Hazel Garcia
•That's a great point! I just checked and it looks like 2022 earnings aren't showing up yet. I'll make sure to verify everything is accurate before making any decisions.
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Sara Unger
I went through this exact same situation about 6 months ago when I started getting survivor benefits at age 62. The disappearing estimates really threw me off too! What I ended up doing was creating a simple spreadsheet to track my own benefit growth using the delayed retirement credits (8% per year from FRA to age 70). You can find your Primary Insurance Amount (PIA) from your last statement before the estimates disappeared, then calculate the growth yourself. It's not perfect, but it gives you a good ballpark for planning. I also set a calendar reminder to request that SSA-7004 form that Hugo mentioned every year so I can compare my calculations with their official numbers. The good news is that SSA is supposed to automatically switch you to the higher benefit when you reach FRA, but definitely keep track of it yourself for peace of mind!
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Finley Garrett
•This is really helpful advice about creating your own tracking system! I'm not great with spreadsheets but I like the idea of using the 8% delayed retirement credits to estimate growth. Did you find any good online calculators or resources that helped you set up your tracking system? I want to make sure I'm doing the math correctly since this is such an important financial decision.
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