One more important thing to know: when you apply for the divorced spouse benefit, SSA won't tell your ex-husband. Some people worry about this, but your application won't affect his benefit amount or generate any notification to him. Also, if your ex-husband has remarried, it doesn't affect your eligibility for benefits on his record. When you do apply, be prepared for SSA to request: - Proof of your SSDI entitlement (they should have this already) - Marriage certificate - Final divorce decree - Your ex's Social Security number (helpful but not required) Good luck with your application!

I went through this exact situation about two years ago! I was on SSDI and discovered I could get divorced spouse benefits on my ex's record. Here's what I learned from the process: The math is straightforward - if 50% of your ex's PIA is higher than your current SSDI amount, you get the difference. In your case with $1,420 SSDI, your ex would need at least $2,841 for you to get even $1 extra. A few practical tips from my experience: - Apply as soon as possible if you think you qualify - they can backdate up to 6 months - Make certified copies of ALL documents (marriage cert, divorce decree) before sending anything - When your SSDI converts to retirement at FRA, the divorced spouse calculation stays exactly the same The hardest part was actually getting through to SSA! I ended up going to my local office in person after multiple phone failures. Brought all my paperwork and was approved within about 6 weeks. One thing that surprised me - they calculated his PIA based on when he COULD have filed at FRA, not what he's actually collecting now (in case he filed early or delayed). So even if his current check is reduced, you might still qualify. Don't give up on trying to reach them - this benefit can make a real difference!

I want to add something important that hasn't been mentioned yet - you should also consider the impact on your own future benefits if you continue working until 67. Every year you work and pay into Social Security, your benefit calculation gets updated if that year's earnings are higher than one of the 35 years currently being used in your calculation. Since you're still working full-time, you're likely earning more now than you did earlier in your career (due to inflation and career progression). This means delaying your claim until 67 isn't just avoiding the early filing reduction - you're also potentially increasing your benefit amount through continued earnings. Also, I'd suggest getting a copy of your Social Security Statement online at ssa.gov to see your projected benefits at different claiming ages. This will help you run the numbers and see exactly how much you'd lose by claiming early versus waiting. One more thing - make sure you understand what happens to your child's benefits if you do eventually claim on your own record. Sometimes families assume the child will automatically get switched to the higher-earning parent's record, but that's not always automatic and may require a separate application.

I've been following this thread closely because I'm in a somewhat similar situation, and I wanted to add a few thoughts based on my own research and experience navigating SSA. First, regarding the conflicting information you've gotten from SSA representatives - this is unfortunately very common with complex scenarios like yours. The rules around divorced spousal benefits, child-in-care provisions, and deemed filing are intricate, and not all phone representatives are equally knowledgeable about these nuances. I'd strongly recommend requesting to speak with a supervisor or scheduling an in-person appointment at your local SSA office where you can bring documentation and get more detailed assistance. Second, while everyone's correctly pointed out the deemed filing issue, I want to emphasize something that might give you some hope: the earnings test is only temporary. If you did decide to file for benefits now (despite the reduction), once you reach full retirement age at 67, SSA will recalculate your benefits to remove the reduction caused by the earnings test (though not the early filing reduction). This is called the "adjustment of reduction factor." Finally, don't overlook the possibility of appealing or requesting reconsideration if you receive information from SSA that doesn't seem right. Given how many different answers you've gotten, it might be worth getting a formal written determination that you can review carefully or have an attorney look at. The system is complicated, but you're asking all the right questions. Keep advocating for yourself and your child!

Just wanted to add something that helped me when I went through this same situation - you can actually check your benefit adjustments online through your my Social Security account at ssa.gov. Under "View Benefit Details" it shows your current benefit amount and any pending adjustments. This helped me track when my benefit was restored after I reported lower earnings. Also, if you're planning to work part-time for several more years before FRA, consider setting up automatic notifications when you're getting close to the earnings limit. I use a simple spreadsheet to track my monthly earnings so I don't accidentally go over again. It's much easier to manage your hours proactively than deal with the benefit reduction and restoration process!

I went through this exact scenario a couple years ago! Yes, the benefit reductions are definitely NOT permanent - they recalculate annually based on your actual earnings. When my hours got cut and I fell back under the earnings limit, SSA restored my full benefit amount within about 6-8 weeks after I reported the change. The key thing is to report your new earnings estimate as soon as you know your income will be lower. Don't wait until the end of the year! You can do this online through your ssa.gov account or by calling (though good luck getting through - the wait times are brutal). One tip that saved me a lot of hassle: when you report the change, ask them to confirm the effective date when your full benefits will resume. Get that in writing if possible. I had mine restored retroactively to the month I reported the change, but I know others who had delays in processing. Also keep in mind that even if they reduce your benefits now, you'll get credit for those withheld months when you reach your FRA. So in the long run, you're not really "losing" that money - just getting it redistributed over time.

Just a technical clarification: Social Security benefits are paid in the month following the month for which they are due. So if you apply today with benefits starting this month (April 2025), your April benefit would be paid in May, May's benefit in June, and so on. Regarding processing time, the SSA's current average is approximately 3-4 weeks for straightforward retirement benefit applications. However, if there are any issues requiring manual review, it can take longer. Once approved, your payment date is determined by your birth date, as others have explained. The retroactive benefits provision at FRA is important - you can request up to 6 months of retroactive benefits, but you must specifically request this during application or within 6 months of filing. The retroactive payments are typically included in your first regular payment.

Great advice from everyone here! I went through this process about 8 months ago and can confirm most of what's been shared. Applied online at FRA+2 months, took exactly 4 weeks for approval, then got my first payment 5 weeks after that according to my birth date schedule. One thing I wish someone had told me - even though you can request 6 months retroactive at FRA, they don't make it super obvious in the online application where to specify this. Look for the section asking "when do you want benefits to begin" and make sure you select the month you reached FRA, not the current month. I almost missed this and would have lost 2 months of benefits. Also, once you get your first payment, double-check the amount against your benefit estimate. Mine was off by about $30 due to a work credit calculation error, but they corrected it quickly once I called. The whole process was actually smoother than I expected despite all the horror stories you hear!

Anyone else notice that SSA seems to train their reps differently? I swear I've gotten different answers from different people about how GPO works! One told me it's based on the gross pension, another said it's based on net after health insurance deductions. The inconsistency is maddening!

This is such a helpful thread! I'm dealing with a similar situation with my own spousal benefits. I worked for the state government for 20 years and have been getting conflicting information from different SSA offices about how they calculate the GPO reduction. One thing I wanted to add - if anyone is still in the planning phase and hasn't filed yet, there's a "do-over" option within the first 12 months of claiming benefits. You can withdraw your application and repay all benefits received, then refile later. Obviously this doesn't help if you've already been receiving benefits for a while, but it might be worth considering for people who realize they made a mistake after learning about these calculation details. Also, I've found that bringing printed copies of the relevant POMS sections to appointments helps ensure you're talking to someone who actually understands the rules rather than just guessing.