just wondering..... why did u divorce and remarry the same person?? lol thats kinda funny 😂

This is actually more common than you might think! I work at a Social Security field office and see cases like yours fairly regularly. You're absolutely right to get your documentation together ahead of time. Since you're applying on your own record, the marriage history won't affect your benefit calculation, but SSA still needs the complete record for their files. One tip: if you can't locate your original divorce decree or first marriage certificate, most counties now have online portals where you can request certified copies - it's often faster than mailing in requests. Good luck with your application next month!

I went through something very similar last year! Applied in September for November benefits, but my first payment didn't come until January. I was really stressed about it too, especially since I had planned my budget around getting that first payment sooner. What I learned from calling SSA (after many attempts) is that they're dealing with a huge backlog right now. The representative told me that while they aim to process applications within 2-3 months, it's taking closer to 4-5 months for many people. The good news is that you will get all your back benefits in that first payment - so if you're entitled to February and March benefits, you should receive both in April. One tip: keep checking your MySocialSecurity account regularly. Mine updated about a week before my first payment actually arrived, and it showed the exact amount I'd be receiving including the back pay. Hang in there - the wait is frustrating but you will get everything you're owed!

I'm going through this exact same situation right now! Applied in December for March benefits and my account just updated to show my first payment in May. It's so stressful when you're counting on that money. From reading everyone's responses here, it sounds like this is unfortunately the new normal with SSA processing times. I'm trying to stay positive that I'll get all the back benefits I'm owed in that first payment, but the waiting is really hard when you've planned your finances around a certain timeline. Has anyone here had experience with how accurate the payment dates are once they show up in your MySocialSecurity account? Like, if it says May, should I expect it to actually arrive in May or could there be more delays?

After reading through all the comments, here's a summary for you: 1. Yes, you qualify for ex-spouse survivor benefits at 60 (must stay unmarried) 2. Taking benefits at 60 = about 71.5% of what you'd get at full retirement age 3. Watch out for the earnings test if you're working 4. Bring death certificate, marriage certificate, and divorce decree when you apply 5. You can switch to your own benefit later if it would be higher 6. You cannot apply for survivor benefits online - must call or visit in person Hope this helps!

I'm so glad you found this community! Your situation is actually pretty common and yes, you should definitely be eligible for survivor benefits from your ex-husband. Since you were married for 18 years (way more than the 10-year requirement), you meet the duration test. A few things to keep in mind as you move forward: - You'll need to remain unmarried to keep receiving these benefits - The SSA will calculate his benefit based on what he would have received at full retirement age, not what he actually received (since he hadn't claimed yet) - If you claim at 60, you'll get a reduced amount, but you can always switch to your own retirement benefit later if yours ends up being higher The paperwork everyone mentioned is crucial - definitely have all your documents ready before you call. And don't get discouraged if the first person you talk to seems confused about ex-spouse survivor benefits - sometimes you need to ask for a supervisor who specializes in survivor benefits. Good luck with your application! This benefit can really make a difference for people in your situation.

Update: I called SSA again and spoke with a different representative. She confirmed that if I want my first payment in July, I need to select June as my benefit start month. The first rep must have misunderstood what I was asking. I've submitted my application online and selected June 2025 as my benefit start month. Thanks everyone for your help!

Congratulations on getting it sorted out! This is a perfect example of why it's so important to get a second opinion when dealing with SSA - different reps can give completely different information even about basic procedures. Your experience will definitely help other people who run into the same confusion. Make sure to keep copies of all your confirmation documents, and you should be all set for that July payment!

One additional point that might help others reading this thread: When applying for benefits with earnings test considerations, you can provide SSA with an estimate of your expected earnings for the year. In your case, you would explain that while your W-2 may show a higher amount, your actual 2025 earnings for work performed in 2025 will be under the limit. If you do this at application, they'll process your benefits based on your estimate. Later, when actual earnings are reported, they'll reconcile any differences. Since you have documentation to prove when the work was performed, you should be able to avoid any overpayment issues. This approach is particularly helpful when, like in your situation, there's a clear discrepancy between when work was performed and when it was paid.

This is such a great thread with really helpful information! As someone who's new to navigating Social Security benefits, I'm learning so much from everyone's experiences. One thing that stands out to me is how important it is to keep detailed documentation - not just for situations like yours with the timing of earnings, but apparently for dealing with SSA in general. It sounds like having paystubs that clearly show work periods, and maybe even getting a letter from your employer, can save a lot of headaches later. I'm curious - for those who have been through this process, what other types of documentation have you found helpful to keep on hand when dealing with Social Security? It seems like being over-prepared is better than having to scramble for paperwork later!