I am a state employee in a non social security state and also work part time in the private sector. In a couple of years when I retire, my social security earnings will exceed 30 years with about 15 years of substantial earnings. How will this affect my social security benefit? My wifes social when she retires will be greater than mine as she will have 30+ years of substantial SS earnings. Will her SS be reduced after my death when she receives my survivor benefit (2/3 of my pension)?