Ask Larry

Non-Covered Pension - WEP / GPO

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?


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

Best, Jerry

Friday, February 14, 2020 - 10:13

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 I moved to IL and found out that teachers here don't have social security withdrawn from their checks.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.

Sunday, February 9, 2020 - 16:30

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


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


Sunday, February 9, 2020 - 11:02

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.


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

Friday, February 7, 2020 - 12:14

What Social Security Am I Entitled To?

I have been teacher for 25 years and am retiring in May. I also worked 40 quarters under Social Security before teaching. I have been told I will not collect SS due to a Windfall elimination act. What windfall? A teacher salary? I also am divorced and was married for 15 years. What SS am I entitled to? Thanks, Becky

Hi Becky,

Tuesday, February 4, 2020 - 12:15

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


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).

Friday, January 31, 2020 - 18:30

Is It True That I'll Get No U.S. Social Security Benefits Due To WEP?

I am 65 and when I look under my SS benefits, it tells me I am entitled to small benefit. I have been on social security disability from Germany for the last 6 years. ( not a ton of money either). I read now something about WEP, which would mean I would not get nothing from SS in the US or even less from my SS disability from Germany, I do not pay taxes on my SS disability in Germany. Is this true?


Wednesday, January 22, 2020 - 14:08

Will My Social Security Benefits Be Affected If I Receive A Survivor Pension From The Post Office?

I'm 69 years old and started drawing my own full social security at 67 .I worked for 30 + years . My wife is going to retire from the post office and put me down for a survivor annuity . Up on her death will my own social security, or the survivor benefit from her post office retirement be affected by the windfall act, or wep act?


Sunday, January 19, 2020 - 11:28
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