WEP and GPO are the two WORST rules in social security!!! teachers and other public servants get totally screwed by these rules. call your congressperson and tell them to support the Social Security Fairness Act to repeal both these unfair penalties!!!

I'm new to this community but wanted to share some additional resources that might help your sister. The SSA has a specific publication (SSA-05-10084) called "Government Pension Offset" that explains exactly how GPO affects survivor benefits. You can find it on their website under publications. Also, many local libraries have AARP tax volunteers during tax season who are trained on Social Security issues - they might be able to help walk through the calculations for free if she can't afford a financial advisor right now. The key thing everyone here is right about is don't wait to apply - even if the amounts need to be adjusted later, getting the application in starts the clock for those retroactive payments. One more tip: when she calls or visits SSA, ask them to provide the calculation in writing. Sometimes seeing the numbers broken down step by step makes it easier to understand and catch any errors.

Based on everything you've shared, this sounds like a clear case of improper dual reduction. Here's what I recommend: 1. File Form HA-501 (Request for Hearing) with SSA and RRB simultaneously 2. Specifically request an "on-the-record" decision which can be faster than waiting for a hearing 3. Include a clear financial hardship statement about the housing situation 4. Request expedited processing due to dire need (possible homelessness) For legal help, look for an attorney who specializes in federal benefits, particularly someone with RRB experience. Elder law attorneys rarely have the specialized knowledge for these dual-system cases. The National Organization of Social Security Claimants' Representatives (NOSSCR) can help you find someone with the right expertise.

I'm dealing with a similar WEP situation with my mom's benefits, though not as complex as yours with the railroad component. One thing that helped us was documenting the exact timeline of when each reduction was applied and by which agency. The fact that your father-in-law's benefits were fine until SSA approval suggests the RRB may have incorrectly recalculated after that point. Keep pushing for that detailed calculation breakdown from both agencies that others mentioned - the math should show if there's truly a double penalty happening. Also, given the housing crisis he's facing, definitely mention the "dire need" status in all communications. Some offices have expedited review processes for cases involving potential homelessness. Document everything about his current financial hardship - rent receipts, assisted living costs, medical expenses, etc. This can help prioritize your case. Wishing you and your father-in-law the best with this appeal process. The system shouldn't be this complicated for people who worked their entire lives.

I checked my earnings record and have 28 years of substantial earnings according to SSA's chart. So I should still get a reduced WEP penalty, not the full amount. I'll make sure to point this out too. Thank you both!

With 28 years of substantial earnings, your WEP reduction should be significantly lower than the maximum. The reduction decreases as you approach 30 years - you should be getting a much smaller penalty than someone with fewer years of coverage. This makes their overcalculation even more egregious. When you contact the OIG and your Senator's office, make sure to emphasize that they're not just exceeding the statutory maximum WEP reduction, but they're also ignoring your substantial earnings history that should reduce the penalty further. Document everything - dates of calls, names of representatives, exactly what they told you. This systematic misapplication of WEP rules affecting multiple benefit calculations suggests a serious training or system issue at your local office that needs investigation.

As someone who went through this exact decision process a few years ago, I want to emphasize one thing that often gets overlooked - the spousal benefit timing strategy. Even though your wife is 4 years younger, she can potentially claim spousal benefits on your record when she reaches 62 (if you've already filed). However, if you file early at 62, her spousal benefit will be based on your reduced amount, not your full retirement age benefit. Here's something to consider: if you can afford to wait even just until your Full Retirement Age (probably 67), your wife would eventually get 50% of your unreduced benefit as a spousal benefit, plus she'd get your full unreduced benefit as a survivor benefit if you pass first. Given that women typically live longer than men, this could mean tens of thousands of additional dollars over her lifetime. I know it's hard to think about, but run the numbers on total lifetime benefits for both of you combined. You might be surprised how much waiting just 5 years (from 62 to 67) could benefit your household in the long run. The Social Security Administration has calculators that can help with this analysis. That said, if you have pressing financial needs now or health concerns, claiming at 62 is still a valid choice. Just make sure you're making an informed decision with all the facts!

As a newcomer here, I've been reading through this discussion with great interest since I'm facing a similar decision in a few years. What strikes me most is how much the spousal and survivor benefit considerations seem to outweigh the individual benefit calculations when you're married with an age gap. @Paolo, have you considered doing a break-even analysis that includes your wife's potential benefits? It seems like everyone is focusing on when YOU break even, but the real calculation might be when your HOUSEHOLD breaks even on total lifetime benefits. With a 4-year age gap and women's longer life expectancy, your wife could potentially receive survivor benefits for 15-20+ years. Also, I'm curious - you mentioned you have "reasons" for wanting to take it early. Are those reasons health-related or financial necessity? Because if it's more about wanting the security of guaranteed income vs. market volatility with retirement accounts, there might be other ways to address that concern while still optimizing your Social Security strategy. Thanks for sharing your situation - it's really helping me think through my own planning!

I forgot to mention in my earlier comment - when you speak with SSA, ask about the potential benefit comparison between filing for your own reduced retirement now versus taking the survivor benefit. The rules changed a few years ago, and in some situations, it may be financially advantageous to file for one type first and switch later. This depends on your age, your husband's benefit amount, and your own work history. The SSA representative should be able to calculate the optimal strategy for you.

I'm so sorry for your loss, Michael. Going through this process while grieving is incredibly difficult. Just wanted to add a few practical tips that helped me when I went through this with my father's passing: 1. When you call SSA, try calling right when they open at 8am local time - you're more likely to get through 2. Have a notepad ready during your call to write down case numbers, reference numbers, and the name of whoever you speak with 3. If you need to visit a local office, you can schedule appointments online at ssa.gov which is often faster than calling 4. Keep copies of all documents you submit - SSA sometimes loses paperwork The most important thing everyone has said is true: you must apply, nothing is automatic. But you're asking the right questions and getting good advice here. Take it one step at a time, and don't hesitate to ask for help navigating the process. Wishing you strength during this difficult time.