Non-Covered Pension - WEP / GPO

Am I Correct That A Government Pension Wouldn't Reduce My Social Security Benefits If I Have 30+ Years Of Work?

Hi Larry,

52yo here considering a new job with city government. I've been working full-time since age 17 (military but no pension benefit eligibility) followed by private sector to date. Am I correct in my reading of WEP that with my now 30 plus years of work, any potential government pension would not result in a reduction of future social security benefits?

Thx

Hi,

Is This How GPO Works?

My Widowed mother receives a non covered pension from her teaching career of $3500/month. Her pension has an annual inflation adjustment. Her husband, who she had been married to for 50 years, died in 2007. My mother was well past FRA at that time. At the time of his death, he was receiving a SS benefit of $2000/month. I assume my mother’s SS widow benefit is subject to the GPO. Currently, she receives no widow’s benefit, as 2/3rd’s of her pension completely offsets the $2000 benefit she would otherwise receive.

Will My Wife Be Able To Draw Both Her Social Security And A CSRS Survivor Annuity?

I'm a federal retiree under CSRS with a survivor's benefit for my wife. My started drawing her social security at age 64 or 65; she was eligible for social security at 62. Will she be able to both her social security and CSRS survivor's benefits after my death?

Hi,

Yes. Drawing a CSRS survivor pension would have no adverse affect on your wife's Social Security benefits.

Best, Jerry

Will I Lose My Social Security Since I Now Live In A State That Doesn't Withdraw Social Security Taxes From My Earnings?

Hi, I worked as an educator for 10 years in AZ and worked other jobs for 10 years in AZ. I moved to IL and found out that teachers here don't have social security withdrawn from their checks. I was told the IL TRS acts like social security and a state pension. I know in AZ after you reach so many points you can retire and collect AZ state retirement then when you get to the age for social security, you receive that. I kept my AZ state retirement because it accrues interests and collects points still. I don't want to loose the money I put into social security.

Would My Social Security Benefit Be Reduced If I Receive A Survivor Pension From My Wife's Pension Plan?

Hello,

My wife has a Conneticuit Teachers retirement pension, if we select a surviving spouse benefit and she passes away before me would I be able to collect my social security benefit $2,250 and her surviving pension of 36K annually. Or would my social security benefit be reduced?

Thank you

Hi,

If My Husband Gets A Survivor Pension Based On My Post Office Work Will It Reduced His Social Security?

I am a retired CSRS postal employee. My husband's survivor benefit from me is $1,896 monthly. Will this reduce his Social Security payment, which will be based on his work earnings, not mine. Thank you for your help.

Hi,

No. If your husband receives a survivor pension from the CSRS (Civil Service Retirement System) it would have no effect on his Social Security benefits.

Best, Jerry

If I Pull My Pension Will I Receive My Full Social Security Benefits?

I worked in the public sector for 30 yrs, also have all my quarters. Currently I'm retired collecting Soc. Sec, and my pension. If I pull my pension will I receive full Soc. Sec, benefits and must I invest my pension or can I deposit in the bank

Hi,

I'm not sure what you mean by pulling your pension. But, if it means some type of conversion from a monthly payment to a lump sum distribution, then you'll likely still be subject to a potential reduction in your Social Security benefit rate due to the Windfall Elimination Provision (WEP).