Ask Larry

Non-Covered Pension - WEP / GPO

How Will Our Benefits Be Affected By By Non-Covered State Pension?

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)?
Thank you


Wednesday, April 5, 2017 - 06:30

Will My Government Pension Affect Widow's Benefits?

I am 89 my husband dies at 94 I have never had social security but he did. I get a retirement from working for government it is udner 1000 dollars a month. I was told at SS center I will not get 100 percent of my husbands SS because I make retirement from government. He said it will lessen. I so not get ss, but governement retirement. I do not understand if he is correct. he was in an hurry it was the end of the day.

Thank you Doris

Hi Doris,

I'm sorry for your loss.

Wednesday, March 29, 2017 - 10:15

Why Would My Widow's Rate Be So Low?

My Husband passed, im 60 I work for public school dept. I was planning to retire in January. I have a retirement plan and wold be getting a lesser amount at age 60. I was told if I get a pension and collect my husband ss I would receive only a reduced rate of $350.00 from the 71.5 % of 1,900. I do not understand this If he was here I would be ok. I cant survive on just my week to week pay and thought his social security for widow would have helped me. If I coutinue workin I was told I will also get a reduction because I make too much.

Wednesday, March 29, 2017 - 08:00

Will My Social Security Benefits Be Affected If I Receive A Survivor Pension?

Thank you for this service -
My husband has earned soc. security as well as been a community college teacher subject to windfall. I have worked for 40 years and have earned SS benefits. He has chosen the pension option which provides that the pension comes to me when he passes.
Is my Soc.Security benefit amount mpacted when that happens or is it immune other than from SS Taxes?
thank you very much for your help.


Tuesday, March 28, 2017 - 07:15

Should I Withdraw My Contributions To My Teacher Retirement Plan?

I am a teacher and when I turn 62 I will still need to teach 1 more year to reach the rule of 80. I worked previously and have paid in my 40 quarters in SS. Should I just draw out my part that I've paid in TRS and put it with my previous 401K money and draw either my SS or draw spousal support on my husband's SS since he will be full retirement age and his benefit is much greater than mine? Thank you.


Monday, March 27, 2017 - 06:45

Would Receipt Of Survivor Benefits From My Non-Covered Pension Affect My Wife's Benefits?

I'll try to condense this. My girl friend was qualified for disability, $500 plus Medicaid and Food Stamps. When she was 60 years old she HAD to take Widow's benefits on her husband who died over 35 years prior...loss of Medicaid and FS, but more money, $1400. We married, that is allowed with no penalty, so she could get on my health plan. I get a pension from local government (no SS paid in) and small SS, $250. She is eligible for a widow's pension from my gov't job when I pass. Will that reduce her SS?

Friday, March 24, 2017 - 06:30

Can My Husband Get Benefits From Both The U.K. And The U.S.?

My husband was born in the UK and came to the US at the age of 44 in the year of 2000.. He worked in the UK for 29 years (since the age of 15) and now that he's a US Citizen of the US, he's been working, of course in the US for 17 years thus far (he is 61 now. My question is this. Certainly he will be entitled to Social Security in the US (he is employed by a school system, which is considered the State of NJ) but what about all of those years he paid in while living and working in the UK?

Tuesday, March 21, 2017 - 06:00

Will My Social Security Be Affected If I Get A Cal PERS Pension?

I have paid into SS my entire career (38 yrs) and will be able to collect at 66.6 yrs of age. I am currently 59 and have changed careers and am contemplating working for the school district which means I will be not contributing to SS but will instead put into a Cal Pers account. So my question is will my SS be affected by taking a job and working for the next 7yrs under Cal Pers.


Monday, March 20, 2017 - 07:00

Can My Social Security Be Reduced If I Receive A Hungarian Pension?

Can be my social security reduced since i receive Hungarian pension. I'm 66 years old and collect social security since age 63.


Yes, your Social Security retirement benefit rate may be reduced if you receive a Hungarian pension based on your work and earnings in that country. For more information on this provision (i.e. WEP), refer to Social Security's website:

Best, Jerry

Friday, March 17, 2017 - 06:45
MaxiFi software running on a laptop
Get What's Yours!
Discover tens of thousands in extra retirement dollars with Maximize My Social Security software!
  • Find your maximized strategy
  • Unlimited what-ifs
  • Step-by-Step filing instructions
  • Our software's lifetime-benefit increase for an illustrative couple earning $65K each and planning to take retirement benefits at 62.

    Results will differ based on your specific case and filing strategy.

Getting Started is Easy
Web-based software. Works on ALL browsers. No download.