Can The State Of Massachusetts Take Away Or Reduce My Social Security Benefit?

Jul 3 2017 - 11:35am

I work for the MBTA, recently I have read articles about MBTA pension fund be converted into Massachusetts Teachers' Retirement System. MBTA pensioners pay into SS. I have only worked at the MBTA for 5 years. I have been paying into Social Security since age 16. I have over 47 Qtrs. Can the State of Mass legally, by converting the pension, take away or reduce my SS benefit that I have contributed too,over 40 the private sector?


Well, if you've always paid Social Security taxes on your earnings up to now, those credits can't be taken away from you. I suppose if your earnings stopped being subject to Social Security taxes after a conversion such as what you are referring to, it could have an impact on your Social Security benefit rate if and when you start receiving a pension based on the non-covered work. That would be due to the Windfall Elimination Provision (WEP). For more information about WEP and it's exceptions, refer to this Social Security publication:

Best, Jerry