Ask Larry

Non-Covered Pension - WEP / GPO

Will I Be Able To Collect From My Ex-Wife's Record Or Will That Be Subject To The Windfall Elimination Provision?

Hi Larry, I work for a state agency and will receive a state pension when I retire, Im divorced from my ex wife Who I was married to for 12 years, I also have accrued enough social security credits (48) on my own while working in the private sector before my state job, my question is will I be able to collect on my ex wife's S/S record and will that also be subject to the Windfall Elimination Provision because of the pension I will receive and if so how much will I lose from it. Thank you so much

Thursday, September 16, 2021 - 11:49

Does It Sound Like I'm Safe From A WEP Reduction?

Hello. My understanding of the Windfall Elimination Provision is that it causes a person's Social Security retirement benefit rate to be calculated using a less generous calculation method if the person is also receiving a pension based on their earnings that were exempt from Social Security taxes. I am receiving a small pension from about 10 years' work at a municipal agency. While I was there they withheld OASDI from each paycheck, which I understood to be for Social Security, and all my earnings from that job show up in my Social Security earnings record.

Friday, September 10, 2021 - 09:47

Why Did My SS Benefit Go Down?

I've worked and lived in tge states 10 years before collectors SSDI, recently I became 65 and then applied for Spousal w my American husband. Then I received a letter that was I received pensions. I wasn't but applied to CPP. I'm now getting 72.oo a month from CPP but they r docking me much more. Calling it a non covered pension. My SS has dropped over 100.00 a month? Why?

Thursday, September 9, 2021 - 16:00

Doesn't The Governmental Pension Offset Only Apply To U.S. Federal, State Or Local Government Workers?

My wife are both British having lived in the US since 1989. We are both US Citizens now. I am 67 years old and my wife is 66 years 2 months. I receive a US Social security pension and a UK state pension. The US SS benefits are reduced due to WEP which I get. My wife has never worked in the US and has applied for Spousal benefits in the US. She also receives a UK State Pension. She received a letter from the Social Security Administration detailing her entitlement.

Wednesday, September 1, 2021 - 18:27

Why Won't Social Security Pay Me My Deceased Husband's Benefits?

Retired with funds coming from Orange County. Was working in hospital that was OC facility until UC Irvine took over. My husband died 2017. I’m being refused his Sociial Security because I’m receiving government pension. It’s Orange County pension. I lacked 2 yrs and did not complete Social Security pay in. I feel I should be payed my husbands benefits. He worked at Boeing. Retired with 39 years in aeronautics.

Wednesday, September 1, 2021 - 08:52

Will I Be Subject To The WEP Reduction?

I have not bought your software yet but am thinking I may have questions or need a consultation after I run the numbers. Do you offer consultation, what is the cost, and if I just have one or two questions to ask in this fashion, is there a cost?

My biggest question is about WEP. I worked at a hospital for 20 years and I paid into National Security, not Social Security. I don't get a pension from it, but I do have it in an IRA-type account. Will I be subject to the WEP reduction of SS payments and is there a way of getting around it, such as filing spousal support?

Sunday, July 18, 2021 - 14:55

Will The Benefit I Get From Brazil Negatively Impact The Amount I'll Receive From Social Security?

I am a US citizen born in Brazil and living in the US for the past 27 years. Three years ago, when I turned 65, having accumulated enough credits during my prior working life in Brazil (before becoming a US taxpayer), I applied for “old-age” retirement benefits in that country, which pays the national minimum wage (approximately US$ 2,600 a year, at the current exchange rate). In a couple of years, I will turn 70 and will apply for SS benefits in the US.

Saturday, July 3, 2021 - 16:09

Will I Be Able To Get Any SS As A Spouse?

Hello Larry,
My wife and I both turn 62 next year, I retired from public service at 57 and she also stopped working. We currently live on my pension and 457 plan. I am currently short of my 40 quarters, I have 38 since I did not pay into SS during my public service .
Will I be able to get any SS as a spouse since my wife will get SS?, if yes will it be reduced because of the pension clause?
Should I go work to get my 40 quarters and then take the reduction because of my pension?

Wednesday, June 30, 2021 - 11:40
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