Ask Larry

Non-Covered Pension - WEP / GPO

Doesn't The Governmental Pension Offset Only Apply To U.S. Federal, State Or Local Government Workers?

My wife are both British having lived in the US since 1989. We are both US Citizens now. I am 67 years old and my wife is 66 years 2 months. I receive a US Social security pension and a UK state pension. The US SS benefits are reduced due to WEP which I get. My wife has never worked in the US and has applied for Spousal benefits in the US. She also receives a UK State Pension. She received a letter from the Social Security Administration detailing her entitlement.

Posted: 
Wednesday, September 1, 2021 - 18:27

Why Won't Social Security Pay Me My Deceased Husband's Benefits?

Retired with funds coming from Orange County. Was working in hospital that was OC facility until UC Irvine took over. My husband died 2017. I’m being refused his Sociial Security because I’m receiving government pension. It’s Orange County pension. I lacked 2 yrs and did not complete Social Security pay in. I feel I should be payed my husbands benefits. He worked at Boeing. Retired with 39 years in aeronautics.

Posted: 
Wednesday, September 1, 2021 - 08:52

Will I Be Subject To The WEP Reduction?

I have not bought your software yet but am thinking I may have questions or need a consultation after I run the numbers. Do you offer consultation, what is the cost, and if I just have one or two questions to ask in this fashion, is there a cost?

My biggest question is about WEP. I worked at a hospital for 20 years and I paid into National Security, not Social Security. I don't get a pension from it, but I do have it in an IRA-type account. Will I be subject to the WEP reduction of SS payments and is there a way of getting around it, such as filing spousal support?

Posted: 
Sunday, July 18, 2021 - 14:55

Will The Benefit I Get From Brazil Negatively Impact The Amount I'll Receive From Social Security?

I am a US citizen born in Brazil and living in the US for the past 27 years. Three years ago, when I turned 65, having accumulated enough credits during my prior working life in Brazil (before becoming a US taxpayer), I applied for “old-age” retirement benefits in that country, which pays the national minimum wage (approximately US$ 2,600 a year, at the current exchange rate). In a couple of years, I will turn 70 and will apply for SS benefits in the US.

Posted: 
Saturday, July 3, 2021 - 16:09

Will I Be Able To Get Any SS As A Spouse?

Hello Larry,
My wife and I both turn 62 next year, I retired from public service at 57 and she also stopped working. We currently live on my pension and 457 plan. I am currently short of my 40 quarters, I have 38 since I did not pay into SS during my public service .
Will I be able to get any SS as a spouse since my wife will get SS?, if yes will it be reduced because of the pension clause?
Should I go work to get my 40 quarters and then take the reduction because of my pension?

Posted: 
Wednesday, June 30, 2021 - 11:40

Will My Wife Be Subject To WEP/GPO?

Hi Larry, my wife worked in the school system and had been contributing to a pension. She retired before her pension vested, so she took a distribution of her contributions, plus interest, and rolled it over into an IRA. The school system did not match or make any contributions

Would she be subject to WEP/GPO?

Thank you

Posted: 
Wednesday, June 30, 2021 - 10:25

How Is This Legal?

I am a retired Federal worker with a pension. My spouse died at 69 years and was drawing social security 1800 monthly. I was denied spousal benefits based on my pension. Additionally, I was denied social security based on my own record. They said I couldn’t double dip. How is this legal?

Hi. I'm sorry for your loss. Back in the 1980s, Congress added the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) provision into the Social Security law. It's legal because Congress has the authority to amend the Social Security law.

Posted: 
Tuesday, June 8, 2021 - 06:45
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