Will Social Security pay retroactive WEP/GPO benefits to deceased parent after HR 82 repeal?
My mother passed away in December 2024 and had been receiving reduced Social Security benefits due to GPO (Government Pension Offset). Now that HR 82 has passed and the WEP/GPO has been repealed, I'm wondering if SSA will calculate and pay the back benefits she should have received from Dec 2023-Dec 2024 when she was alive but subject to GPO reduction. Her SSA record now shows deceased status. Will SSA automatically process these retroactive payments to her estate, or do I need to contact them and file something specific? I'm the executor of her estate and trying to make sure everything is handled correctly. Has anyone dealt with retroactive payments for someone who passed away recently?
16 comments
Mateo Sanchez
First, I'm sorry for your loss. This is a situation many families are facing with the WEP/GPO repeal. SSA won't automatically process these retroactive payments - you'll need to contact them as the legal representative of your mother's estate. Bring your Letters Testamentary or similar document showing you're the executor, her death certificate, and any documentation about her government pension. They'll need to manually calculate what she was owed under the new rules.
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GalaxyGazer
•Thank you for this information. Do you know if there's a specific form I need to fill out? Or just call and make an appointment? I've been trying to get through on the 800 number for days with no luck.
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Aisha Mahmood
My dad was in a similar situation but he passed in 2022. SSA told us that retroactive payments can only go to a qualified surviving spouse or to the estate. Since you're the executor you need to bring proof of that plus her death cert. They should cut a check to "Estate of [her name]" which you'll deposit into the estate account.
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GalaxyGazer
•That's helpful to know. Did they process it pretty quickly or did it take months? I'm trying to close out her estate but don't want to miss these funds.
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Ethan Moore
You definitely need to be proactive about this. The repeal of WEP/GPO doesn't automatically trigger reviews of deceased beneficiaries' records. You'll need to file SSA-1724 (Claim for Amounts Due in the Case of a Deceased Beneficiary) along with proof you're the estate representative. Be aware there's a lot of confusion at SSA offices about implementing the WEP/GPO repeal right now, so you might encounter staff who aren't fully informed on the process for deceased beneficiaries. Ask to speak with a Technical Expert if the front-line staff seems uncertain.
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GalaxyGazer
•Thank you for mentioning the specific form! That's exactly what I needed. I'll download that and prepare it with all her documentation. I appreciate the tip about asking for a Technical Expert too.
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Yuki Kobayashi
My mom died last year and was affected by WEP (not GPO). we've been waiting 4 months for ssa to process the back pay. they told us it would take longer for deceased ppl because they're prioritizing living beneficiaries first. just wanted to give u a heads up that its probably gonna take awhile.
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Carmen Vega
•Same here!! Been waiting 3 months already and every time I call they just say "it's in process" whatever that means. The whole system is ridiculous!
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QuantumQuester
If you're having trouble reaching SSA by phone (which is unfortunately common these days), I've had success using a service called Claimyr. They basically hold your place in the SSA phone queue and call you when an agent is about to answer. Saved me HOURS of hold time when I was dealing with my aunt's survivor benefits. You can see how it works at claimyr.com or watch a demo at https://youtu.be/Z-BRbJw3puU For something complex like retroactive WEP/GPO payments to an estate, you'll definitely want to speak with someone rather than trying to handle it online.
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GalaxyGazer
•I've never heard of this service but I'm going to check it out right now. I've literally been trying for a week to get through to someone at SSA. Thank you!
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Andre Moreau
OK BUT NOBODY IS TALKING ABOUT THE BIGGER ISSUE HERE!! The WEP/GPO repeal is ONLY paying retroactive to December 2023, even though people like your mom and my husband had their benefits unfairly reduced for DECADES!!! They should be paying back ALL the money they took from us all these years!!! The government stole from hardworking teachers and public servants and now they act like heroes for giving back ONE YEAR of benefits?!?! It's OUTRAGEOUS!!!
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Mateo Sanchez
•While I understand your frustration, the legislation specifically limited retroactive payments to December 2023 forward as a compromise to get the bill passed. The full repeal going forward was the primary goal, and the limited retroactivity was what made it financially feasible to pass. The focus for OP needs to be on securing the retroactive benefits that are legally available under the current law.
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Carmen Vega
my neighbor works at SSA and says they're completely overwhelmed with the WEP/GPO stuff. said its chaos there and everyone's working overtime. might want to wait a month before even trying tbh
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Aisha Mahmood
•That's terrible advice. There are deadlines for filing claims on behalf of deceased beneficiaries. Waiting could cause them to lose the benefits entirely! Better to get in line now even if processing takes time.
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Ethan Moore
One other important thing to note - make sure you're clear about the exact timing. The WEP/GPO repeal technically applies to benefits payable January 2025 onward, with retroactive payments to December 2023. Since your mother passed in December 2024, she would be eligible for the retroactive payments from December 2023 through December 2024 - exactly 13 months of restored benefits. Bring documentation of her government pension and her SS benefits to help them calculate the correct amount. The difference between what she received and what she should have received without GPO for those 13 months is what the estate is entitled to.
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GalaxyGazer
•Thank you for clarifying the timeframe. I'll gather her pension statements and SS benefit statements for that period. It's about $675 per month that was being offset by GPO, so it should be around $8,775 total if I'm calculating correctly. That's significant enough to make sure we pursue it.
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