If you are dealing with Social Security issues like having your application flagged as fraudulent after requesting retroactive benefits, you are not alone. Many retirees find themselves in frustrating situations where they follow the instructions given by the Social Security Administration (SSA) only to end up with delays, extra paperwork, and long waiting times. So, what went wrong, and what can you do now? Let us break it down.
Why did Social Security flag my application for retroactive benefits?
Social Security allows individuals to claim retroactive benefits, but this option can sometimes trigger a fraud alert. This happens because:
- Unusual activity alerts: When you switch from collecting benefits under your spouse’s record to your own, the SSA system may detect this as an unusual change.
- Retroactive benefits require additional review: If you request retroactive payments (which can be up to six months of back pay), SSA must verify that you are eligible, which can slow down your approval process.
- Outdated or misplaced correspondence: A delay in receiving their letter can result in your case being marked as inactive, leading to further complications.
- Identity verification issues: SSA might flag an application for additional security checks if there is any discrepancy in records or if they need more proof of your eligibility.
What should you do now?
Now that your application has been flagged and possibly tossed out, here are the steps you need to take to get your benefits back on track:
1. Contact social security immediately
- You already made the right move by calling them as soon as you got the letter.
- If you have not yet reached them, be persistent. Expect long wait times, but do not give up.
- Try calling early in the morning or later in the afternoon when wait times might be shorter.
2. Request a new appointment at your local SSA office
- Since your application cannot be resubmitted online, you must visit your local SSA office.
- Call ahead to schedule an appointment, or if you prefer, visit the office in person to secure a spot in line.
- Bring all necessary documents, including your original Social Security letter, marriage certificate (if applicable), identification, and any proof of earnings.
3. Reapply for benefits
- Be clear that you are switching from your spouse’s Social Security benefits to your own and are requesting retroactive benefits.
- Ask if there is any additional documentation that can help speed up the process.
- Double-check that all forms are completed accurately to prevent further delays.
4. Follow up on your case
- SSA offices handle thousands of applications daily, so it is important to follow up on your case.
- If you do not hear back within a few weeks, call again or visit in person.
- Keep a record of who you spoke with and the details of each conversation.
Will you still receive retroactive benefits?
One of your biggest concerns is whether you will still get the retroactive benefits you originally requested. The good news is that if you reapply correctly, you should still be eligible for back payments. However, there are some things to keep in mind:
- SSA does not automatically pay retroactive benefits unless you specifically request them.
- If your case was closed, they may require additional verification before approving the payments.
- Processing times vary, so your retroactive benefits may take weeks or even months to arrive.
How to avoid this problem in the future
To prevent similar issues from happening again, consider these tips:
- Check your mail frequently: SSA letters often have strict deadlines, and missing them can result in case closures.
- Keep your information up to date: Make sure SSA has your correct address and phone number.
- Ask questions before making changes: Before applying for new benefits, call SSA to clarify the process and any potential issues.
- Use certified mail when submitting documents: This provides proof that SSA received your paperwork.
