Will I get 6 or 12 months retroactive Social Security after GPO issue resolves?
I divorced after 15 years of marriage and applied for spousal benefits on my ex's record last year. I was approved but my payments were immediately suspended due to Government Pension Offset (GPO) from my state teacher's pension. Recently, my pension administrator confirmed my pension will be recalculated, reducing it enough that I should now qualify for some spousal benefits after the GPO reduction. My question is: when SSA resolves this and lifts the suspension, will I receive retroactive payments? And if so, would it be for 6 months or the full 12 months since my benefits were initially suspended? I've heard different things from different people at my local office. My suspended benefit amount would be approximately $975/month before the GPO reduction (not sure what I'll actually get after GPO). Has anyone gone through something similar with suspended benefits that later became payable?
25 comments


Ava Martinez
my mom went thru similar thing with her pension and ss benefits but i dont think it was GPO...never heard that term before? anyway she got like 8 months back pay i think but they didnt tell her til the money showed up in her acct
0 coins
Dmitry Sokolov
•Thanks for sharing about your mom's experience. Did she have to do anything special to get the back pay or did they just process it automatically once her case was reviewed?
0 coins
Miguel Ramos
The general rule is that Social Security can provide up to 6 months of retroactive benefits for retirement and spousal claims. However, since your benefits were approved but suspended (rather than this being a new application), the situation is different. In suspension cases where eligibility changes, SSA should theoretically pay you back to the date your eligibility changed (when your pension amount decreased enough to allow partial benefits after GPO). You'll need to provide SSA with documentation showing exactly when this pension change occurred. Keep in mind that the GPO reduction is 2/3 of your pension amount, so you'll need to calculate whether your reduced pension now allows for any spousal benefit. For example, if your pension was reduced to $1,200/month, the GPO reduction would be $800, leaving you potentially eligible for $175/month from the spousal benefit.
0 coins
Dmitry Sokolov
•Thank you for explaining this so clearly! My pension is being reduced from $1,850 to about $1,350 monthly. So with the 2/3 GPO reduction, that would be about $900 taken away from my $975 spousal benefit. So I might get around $75/month? Not much but better than nothing over time.
0 coins
QuantumQuasar
DONT COUNT ON ANYTHING! My benefits were suspended for FOUR YEARS because SSA thought I was still working full time when I wasn't!!! When they finally fixed it, they only gave me 11 months backpay even though I was owed for 48 months!!! Their excuse was "administrative finality" which is BULL****!!! I fought for 2 more years and never got the rest. The whole system is rigged against us.
0 coins
Zainab Omar
•That sounds awful! I've been having similar issues trying to get through to anyone at SSA who knows what they're talking about. After 15+ calls and hours on hold, I found a service called Claimyr (claimyr.com) that got me through to an agent in under 10 minutes. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU. Saved me so much frustration when I was dealing with my WEP recalculation. Maybe worth trying if you're still having issues getting definitive answers.
0 coins
QuantumQuasar
•Thanks for the tip! Will check that out. I've basically given up on getting my full backpay but still need to call them occasionally and ALWAYS waste an entire day trying to get through!
0 coins
Connor Gallagher
congrats on qualifying for benefits! even if it's small amount its still something
0 coins
Dmitry Sokolov
•Thank you! Yes, even a small amount adds up over time. Plus I'll take whatever I can get after paying into the system all those years.
0 coins
Yara Sayegh
I'm a retired claims specialist, and here's what should happen in your case: Since your benefits were already approved but suspended due to GPO, you should receive retroactive payments back to the date your pension amount changed, making you eligible for partial benefits. This is different from the normal 6-month retroactivity rule for new applications. You'll need to provide: 1. Documentation from your pension administrator showing when exactly the pension amount changed 2. The exact new pension amount SSA will then recalculate the GPO reduction (2/3 of your pension) and determine what portion of your spousal benefit is payable. The retroactive payment should cover the entire period from when your pension changed to present, assuming that change happened within the last 4 years (the limit for reopening determinations). Request this in writing and keep copies of everything. Processing time is typically 60-90 days for these adjustments.
0 coins
Dmitry Sokolov
•This is incredibly helpful! My pension change officially takes effect next month, so I'll make sure to get proper documentation from my pension administrator. Should I wait until after the change happens to contact SSA, or should I notify them now that this change is coming?
0 coins
Yara Sayegh
•Wait until you have the official documentation in hand showing the exact new pension amount. Then contact SSA immediately after the change takes effect. Going in with complete documentation will help avoid delays. Make sure the pension administrator's letter includes the effective date of the change and the new monthly amount. Request an appointment specifically with a claims specialist who handles post-entitlement issues related to GPO cases.
0 coins
Keisha Johnson
My husband went through something similar with his police pension and Social Security. It wasn't exactly GPO but some other offset thing (maybe WEP?). Anyway, they gave him back pay to when he first would have been eligible after his pension was recalculated which ended up being about 9 months. The money just showed up in our account one day! Took forever to get it sorted though - like 8 months of calling and paperwork.
0 coins
Dmitry Sokolov
•That gives me hope! Did they pay interest on the back pay or just the flat amount he was owed?
0 coins
Keisha Johnson
•No interest 😕 Just the exact amount he was owed for each month. But honestly we were just happy to get anything after all the confusion!
0 coins
Connor Gallagher
GPO is so confusing...good luck!!
0 coins
Ava Martinez
whats the difference between GPO and WEP again? my dad has one of those but i always mix them up
0 coins
Miguel Ramos
•GPO (Government Pension Offset) reduces spousal or survivor benefits if you receive a pension from work where you didn't pay Social Security taxes. It typically reduces those benefits by 2/3 of your government pension amount. WEP (Windfall Elimination Provision) reduces your own Social Security retirement benefits if you also receive a pension from work where you didn't pay Social Security taxes. Simply put: GPO affects benefits you'd get from someone else's record (spouse/ex-spouse), while WEP affects benefits on your own record.
0 coins
Dmitry Sokolov
Update: I spoke with a claims specialist yesterday who confirmed I should receive retroactive payments back to the date when my pension amount changes. The specialist said I need to bring in the official letter from my pension administrator showing the new amount and effective date. Going to my appointment next week with all my documentation. Thanks everyone for your help!
0 coins
Connor Gallagher
•glad u got an answer! let us know how it goes
0 coins
Sofia Torres
Great to hear you got some clarity! That's exactly what I was hoping to hear - that you'll get retroactive payments back to when your pension amount actually changes. Make sure to get multiple copies of that pension administrator letter since SSA has a habit of "losing" paperwork. Also, if possible, try to get a receipt showing you submitted the documentation. Good luck with your appointment next week!
0 coins
Natasha Kuznetsova
•That's really good advice about making multiple copies and getting receipts! I learned that lesson the hard way with other government paperwork. I'll definitely make sure to document everything properly. It's encouraging to hear from someone who understands the process. Fingers crossed the appointment goes smoothly!
0 coins
Dylan Evans
I've been through a very similar situation with GPO and spousal benefits! When my state teacher's pension was recalculated (reduced due to an error in their calculations), I became eligible for a small portion of my ex-husband's Social Security benefits after the GPO reduction. The key thing I learned is that you should receive retroactive payments back to the exact date your pension amount officially changed, not just 6 months. In my case, it was about 14 months of back pay because that's how long it took from when my pension was corrected until SSA processed everything. Make sure you have the pension administrator put the effective date of the change clearly in their letter - this is what SSA will use to calculate your retroactive period. Also, be prepared for the process to take a few months even after you submit everything. But the good news is that once it's approved, the back pay usually comes pretty quickly after that. Your calculation sounds about right too - with a $1,350 pension, the GPO would reduce your spousal benefit by about $900, leaving you with around $75/month from the original $975. Every little bit helps!
0 coins
Freya Thomsen
•This is exactly the kind of detailed experience I was hoping to hear about! 14 months of back pay sounds promising - that would definitely help make up for the long wait. I'm glad to know my calculation seems reasonable too. It's reassuring to hear from someone who went through the same GPO situation with teacher's pension. Did you have any issues with SSA initially understanding the pension recalculation, or were they familiar with these types of cases? I'm hoping the claims specialist I'm meeting with next week will know how to handle this properly.
0 coins
Louisa Ramirez
•That's so helpful to hear from someone who went through the exact same situation! 14 months of back pay would be amazing - that's exactly what I was hoping for but wasn't sure if it was realistic. Did SSA give you any trouble understanding the pension recalculation initially, or did they process it smoothly once you provided the documentation? I'm nervous about my appointment next week and want to make sure I explain everything clearly to avoid any confusion or delays.
0 coins