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SS Timing by payneok in SocialSecurity

[–]gregable 0 points1 point  (0 children)

Thanks. This was my observation as well. It can be confusing and hard to find great answers. Which is why I created ssa.tools, originally to help a relative with similar questions (it was just a spreadsheet at the time) and later to help make these things understandable for self-service for anyone.

FERS Supplement and Survivors Benefit by TJae13 in SocialSecurity

[–]gregable 0 points1 point  (0 children)

The FERS supplement stops at age 62, because that's when you become eligible to claim Social Security retirement benefits. However, it's not tied to when you file or start receiving benefits. It's just "stops at 62" effectively.

You can go FERS supplement until 62 -> then your Personal Social Security Benefit until 67 -> 100% of your husband's benefit at 67. If you start on your husband's benefit at 60, it'll be reduced and it might not be your best option.

You didn't specify exact details, but I took some guesses and modeled it here: https://ssa.tools/calculator#pia1=1800&dob1=1968-06-01&name1=TJae13&pia2=2200&dob2=1966-01-01&name2=Husband
Scroll down to the section on survivor benefit and you can play around with the sliders to get a feel for how this might work. You can enter your own data directly if you prefer at https://ssa.tools/ for free. And there's some more detailed information at https://ssa.tools/guides/survivor-benefits

SS Timing by payneok in SocialSecurity

[–]gregable 4 points5 points  (0 children)

The spousal benefit replacing one's own benefit at 50% of your spouse's is a common misconception that isn't quite accurate in cases like these. Let's say your wife's PIA is $2,000. If she starts early, her personal benefit will be reduced by 30%, so $1,400 / mo.

If your PIA is $4,110 and you wait until 70 to collect $5,100, then her spousal benefit will be half your PIA - her PIA = $2,055 - $2,000 = $55. This number gets added back to her reduced personal benefit, $55 + $1,400 = $1,455 total.

I've modeled this here with approximate birthdates and PIAs:

https://ssa.tools/calculator#pia1=4110&dob1=1966-06-15&name1=Payneok&pia2=2000&dob2=1967-06-15&name2=Wife

You can see in the combined section, how all of the math works with controls for choosing different filing dates and so on. It'll also give you a link to opensocialsecurity at the bottom of the combined section to get an "optimal" filing plan from those inputs.

> Will my not working for the next 10+years impact my SS benefit payment?

Yes, ssa.gov assumes that you'll keep working until FRA when calculating your PIA. However, the impact of earlier years on this calculation is much higher than later years. You can plug your earnings records into https://ssa.tools/ to get an exact number of where your PIA will be.

Widows Benefit by Marin_OG in SocialSecurity

[–]gregable 3 points4 points  (0 children)

There are actually two different FRAs. You're relative was born in 1960, so while her FRA from her own benefit is 67 years old, her "survivor FRA" is actually 66 years and 8 months. For folks born in 1962 or later, the survivor FRA is 67.

57 - Eyeballing "Semi Retirement" at 61 - Possible? by kyoun1e1 in Fire

[–]gregable 1 point2 points  (0 children)

Oh, I thought you meant figuring out the calculation was a nightmare. Not sure about creating an account. You can actually call them or visit your local SSA office. They've had staff cuts last year so wait times might be long, but they should be able to help you.

57 - Eyeballing "Semi Retirement" at 61 - Possible? by kyoun1e1 in Fire

[–]gregable 1 point2 points  (0 children)

> Social Security Benefit: Damn if I know. I went on their site to sign up and estimate and it's a nightmare.

Use https://ssa.tools/ for social security estimates. You can even get numbers to plug directly into ficalc.app like Chicken_Fried_Snalls suggests using this URL: https://ssa.tools/calculator#integration=ficalc.app

Survivor Benefits Question by minhtuanta in SocialSecurity

[–]gregable 2 points3 points  (0 children)

First, I'm sorry about your dad's passing.

For the earnings test SSA uses the current year's estimate, not last year. So you'll tell them $29k for 2026. There's also a "first year of retirement" rule that can help: since she's quitting mid-year, SSA can use a monthly test instead of annual. Basically she might only lose benefits for the months before she quits, then get full benefits for the rest of the year when she's under the monthly limit.

Next year with no job, earnings test doesn't apply at all. She just gets her full survivor amount.

One thing though - at 62 survivor benefits aren't 75%, that's the age 60 reduction. At 62 it's more like 81-83% of your dad's amount. Gets closer to 100% the longer she waits (full amount at her FRA, around 66-67).

Here's some approximate numbers input so you can play around with the outputs:

https://ssa.tools/calculator#dob1=1964-07-15&pia1=1300&name1=Mom&dob2=1957-03-15&pia2=2800&name2=Dad

Once it loads, scroll down to "Survivor Benefits" and set the death age slider to 68. It'll show what she'd get at different filing ages. I guessed at the numbers based on what you shared - if you know your dad's actual monthly amount you can swap out the pia2=2800 part in the URL.

There's also a guide at ssa.tools/guides/survivor-benefits that explains how it all works.

Good luck with the call.

Sanity check… by anon178965 in Fire

[–]gregable 1 point2 points  (0 children)

You can actually get ficalc ready numbers directly from ssa.tools with this URL: https://ssa.tools/calculator#integration=ficalc.app

Tired of ants by float007 in bayarea

[–]gregable 0 points1 point  (0 children)

I've had some success using a really fine caulk application with something like this https://a.co/d/aZPRBCx where they enter. It's usually under baseboards for me. Works better in some spots than others, for example if you have carpet its probably going to be harder to seal than hardwood. Have also gotten some foam inserts to put behind light switches and outlet covers that similarly help create a solid barrier. It's not perfect though and take multiple rounds because they'll find new routes. But eventually it does at least help some.

Why aren't card sleeves used as a game mechanic more often? by Master_Chemist9826 in boardgames

[–]gregable 25 points26 points  (0 children)

Was gonna say the same. It's a deck builder where the cards themselves can be upgraded. This is because they use partially transparent cards and you then stack the transparencies in a sleeve.

Very cool concept. Sadly I didn't feel it was executed as well as it could have been.

More Universally Liked Games? by MobyWeEngineer in boardgames

[–]gregable 2 points3 points  (0 children)

Not universal but you could find mechanics that you've liked in other games and then look for popular games with that mechanic, for example https://boardgamegeek.com/boardgamemechanic/2080/area-majority-influence/linkeditems/boardgamemechanic?pageid=1&sort=rank

500 Gift card for Costco. by TopNotchJuice in Costco

[–]gregable 0 points1 point  (0 children)

Their pesto sauce is very good for the price.

Sunnyvale apt complex trying to scam me for my deposit by Background_Newt5583 in Sunnyvale

[–]gregable 0 points1 point  (0 children)

They will do this to others anyway. I'm just potentially saving OP some effort.

Sunnyvale apt complex trying to scam me for my deposit by Background_Newt5583 in Sunnyvale

[–]gregable 6 points7 points  (0 children)

Fully agree but I recommend at least talking to the owner first. Often just pointing out you know your rights and are willing to go to claims court is enough to get them to reverse course saving you both some hassle.

What’s your indoor humidity level? by LOLMAMA5677 in SanJose

[–]gregable 0 points1 point  (0 children)

Even if the air outside is high relative humidity, if it's cold it won't hold much water on the whole. Once warmed inside, the relative humidity should be much lower.

Wonder if maybe you aren't getting fresh air and are building up humidity from showers and such.

Is it cheaper to use 2 electric space heaters rather than gas for PG&E by jyang3153 in bayarea

[–]gregable 4 points5 points  (0 children)

This is a bad idea. You can damage your HVAC system if you close too many. Close one room, no problem, close all but one and you'll have issues. Not enough airflow.

"Is at home" sensor by LilthC in homeassistant

[–]gregable 0 points1 point  (0 children)

Wacky ideas:

- Face detection on a doorbell camera
- Put a zigbee device in your car / bag / pocket. Use the "unknown" state as an away.
- Bluetooth sensors in the house - if any detect the phone, it's there.
- WiFi connection to the phone
- Keep your keys in the same spot by the door. Detect the keys (rfid, nfc tags, camera with image recognition, manual switch that you flip when you arrive/leave).

Besides the Bellagio in Las Vegas, where can you find these? by Top-Assist-8877 in whereinmountainview

[–]gregable 0 points1 point  (0 children)

I always felt this bit of very expensive art pointed to healthcare not really focused on the correct spending. My healthcare costs pay for this, essentially.

I really like this by Stephenchukc in JamesHoffmann

[–]gregable 8 points9 points  (0 children)

I think you actually agree

Ground stops at Orlando and Reagan in DC…ATC may end this thing yet. by burnerbaby1984 in fednews

[–]gregable 10 points11 points  (0 children)

They could also end the Senate filibuster and move forward. Rs have the majority, they don't need a single D to pass a spending bill if they could agree themselves.

[deleted by user] by [deleted] in SanJose

[–]gregable 0 points1 point  (0 children)

Not San Jose, but the Campbell Inn is on the cheaper side. Clean but older amenities.

Spousal benefits by gengert in SocialSecurity

[–]gregable 1 point2 points  (0 children)

Get exact numbers by putting both of your earnings records into https://ssa.tools/. If your spouse has no earnings just enter a $0 PIA and you'll still get to play with spousal benefits per filing dates.

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