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Wait so your own benefit is higher than your husbands? In my case my husbands benefit was way higher than mine would ever be so I just took his. But if yours is higher then yeah do what everyone is saying.
Good point about benefit amounts. If the survivor benefit is higher than her own retirement benefit would be at FRA, then she should just take the survivor benefit permanently. But since she mentioned her own benefit would be higher (after 38 years as a nurse), the strategy of taking survivor benefits temporarily and then switching makes perfect sense.
Thanks everyone for the helpful advice! I'm going to try making an appointment at my local office instead of dealing with the phone system. I'll be very clear that I ONLY want survivor benefits for now. I'll also bring printouts of the SSA rules about this to the appointment, just in case. It's so frustrating that even the SSA employees seem confused about their own policies sometimes. I just want to make sure I'm not leaving money on the table while I wait for my FRA in a few months.
my cousin said something about a 60 day window after applying where u can withdraw ur application if u change ur mind about taking early benefits. might be worth asking about that too in case she decides to wait for full amount later
Another thing she should consider is that survivor benefits taken early are reduced differently than regular retirement benefits. The reduction for survivor benefits at age 62 is about 28.5%, while regular retirement at 62 would be reduced by about 30%. The exact percentage depends on her specific FRA. The SSA representative should be able to calculate the exact amount during her appointment.
Make sure to ask about the Lump Sum Death Payment too! If you were living with your second husband when he passed, you might qualify for the $255 payment even if you don't qualify for monthly survivor benefits. It's not much but every bit helps. Also, something I learned the hard way - bring proof of ALL your marriages and divorces to your appointment. They wanted my marriage certificate from 30 years ago! I had to reschedule and hunt through old boxes. Have birth certificates, social security cards, death certificates, marriage/divorce papers all ready to go so you don't have to do multiple appointments.
when u go on SS at 60 u get 71.5% of what youd get at full retirement age. make sure u can live on that amount. my sister thought shed get full amount and was shocked how much less it was taking early.
i dont understand why SSA dosent just SAY whats changed? like tell us exactly what the diffrence is now vs before. im affected by WEP not GPO but its all so confusing!!!!
They haven't changed the actual GPO formula or rules - that would require Congress. What they're clarifying is that application timing still matters for GPO-affected individuals. The optimum filing strategies for someone affected by GPO/WEP can be complex and case-specific, which is probably why they're being cautious about making broad statements. But you're right - clearer communication would be helpful.
Just an update - I called SSA this morning (was on hold for almost 2 hours!) and the agent confirmed they're seeing many GPO-affected people filing now. He said they're processing these applications faster than normal because of the increased volume. He also mentioned something about "protective filing dates" being important, though I didn't fully understand what that meant.
A "protective filing date" basically secures your filing date even if your application isn't complete. This can be important because benefits are calculated based on when you apply. By establishing this date, you protect potential benefits while gathering additional documentation or information they might need. It's good they mentioned this - shows they're taking the timing factor seriously for GPO cases.
Miguel Castro
i think u need his w2s too maybe? or at least thats what my aunt needed when she did this
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Connor Byrne
•No, she won't need his W-2s. The SSA already has his complete earnings record in their system. They just need enough identifying information to locate his record (SSN, date of birth, etc.) and proof of the marriage/death.
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StarSurfer
Thank you all for your help! I called SSA this morning but couldn't get through after waiting an hour. Will try that Claimyr service tomorrow. I found all our documents including his social security card. I had no idea I might be missing out on hundreds of dollars each month for the past 2 years. Really appreciate everyone's advice!
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Ava Martinez
•Come back and let us know how it goes! I'm hoping you'll see a significant increase in your monthly benefit.
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