Non-Covered Pension - WEP / GPO

Should I Collect Survivor Benefits Early And Continue Teaching?

Hello Larry
I became a widow at the age of 33. My husband was only 37 when he died. I am currently a teacher in the state of Ohio and my question is about STRS and survivor benefits with SSA. Should I collect the survivor benefit early and continue to teach 5 more years until I am able to collect my pension? I am assuming once my pension begins my survivor benefit will be reduced to nothing being that my husband was only 37 when he passed.


I'm sorry for your loss.

How Can I Appeal Social Security's Decision To Reduce My Benefits?

I am 74 years old and have been receiving Social Security since I was 65 (some 9 years), and also a Canadian Pension, because I have dual citizenship, born in the U.S. The Social Security Office contacted me by letter just yesterday saying they were reducing my U.S. Social Security by $267 monthly. That action left me with only $39 U.S. dollars this month, since they decided to reduce my $838 monthly benefit retroactively starting March 2019. They tell me that I will receive $571 on August 3, 2019, and that this same amount will be ongoing after that.

Can I Apply For Benefits From Luxembourg Separately From U.S. Social Security?

I worked for an American company in Luxembourg for 11 years from 1987 to 1998 and qualify for Luxembourg national pension (social security) when I turn 65. I paid in to both US and Luxembourg social security from 1987 to 1991, then just Luxembourg from 1992 to 1998 after the totalization agreement with Luxembourg was signed. I am looking to start collecting my Luxembourg social security when I turn 65, but will probably defer my US social security until I turn 70. Can I apply for the Luxembourg social security separately from the US social security?

Should I Sit Tight Or Follow Up With Social Security?

Thank you so much for your reply to my question. It was very helpful in giving me some idea of what lies ahead. I have not heard from Social Security since the initial phone call in May asking me about my 10 years of school district service. At that time I told the agent the amount and the date that I had started to receive the Texas teacher annuity. I am anxiously awaiting some form of communication from SS. Should I sit tight until I hear or should I call or go to a local SS office to follow up? I continue to receive the full SS survivor benefit.

If My Benefits Are Reduced By The GPO Rule Does That Mean That WEP Won't Apply In My Case?

Hi Larry,
I am planing on applying for SSecurity this July when I turn 66. I worked for 18 years for a City in which I did NOT pay SSecurity and for a year now I have been receiving a pension of $784.85. I also receive a pension of $380 from the UK as I lived and worked there and I did pay SS to the UK on these earnings.
Since I was born in 1953 I going to apply for half of my husbands original SS amount which would be $968.

Why Am I Again Being Penalized?

I worked as a teacher in KY and therefore the SS I had earned prior to my teaching job was cut by about 2/3. My husband who never worked for a government agency and paid into SS for 30 years died this year. They cut the amount of his SS I received as surviving spouse by 2/3. This seems extremely unfair as he paid into the system for 30, or more years, never worked for government. Why am I again being penalized through my husbands benefits? The 2/3 is a close estimate, definitely more than 1/2.


I'm sorry for your loss.

Will The Benefits I Receive On My Ex-Spouse's Record Be Reduced When I Decide To Retire?

I am divorced after 40 years of marriage, age 69, and began receiving social security benefits on my ex-husband's record at my age 66. Early in our marriage I worked in the private sector but barely earned my 40 quarters to be eligible for social security. I returned to teaching and no social security is withdrawn from my earnings. However, since I returned to teaching later in life, I elected to participate in a 401 A (defined contribution program) and not the annuity/pension program.

Should I Get A Lawyer?

I started receiving SS survivor benefits in 2014. At the time I was asked on the SS application if I was receiving a government benefit and my response was no. A year in 2015 I became illegible to buy 5 years from the Teacher Retirement System in Texas. Along with the 5 years I had available and the 5 years I bought back I began receiving $800 per month from TRS. I have been getting the SS spousal benefit and the TRS annuity now for since those years. I recently filled out an application to switch to my SS at age 70 (in 3 months) and have been made aware of the WEP/GOP.

How Does GPO Affect The Amount I Can Collect On My Ex-Spouse's Record?

My ex spouse and I were both born in 1953. He took early retirement and is drawing a pension on which he did not pay social security benefits. He had a few years when he did have earnings under social security. I have paid social security on all my earnings. I used your calculator and was advised to file a restricted application and for ex spouse benefits. I plan to work on. I want to understand GPO and how GPO affects the amount I can collect on his record and how that might change when my ex files for his own and Social Security on my record.