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Social Security Question:
I am a teacher with over 40 Social Security quarters but less than 20 years of substantial earnings. I am 66 years old and am
Social Security Answer:
I am a teacher with over 40 Social Security quarters but less than 20 years of substantial earnings. I am 66 years old and am still working in a state (Louisiana) in which I do not pay SS. Because I am working past full retirement age and have not yet started to receive my government pension, WEP is not being applied to the Social Security benefit that I receive.
This benefit is based on my own as well as a former husband’s earning record. (I currently receive an amount equal to half of his since it was higher than my own.)
The question: When I do retire and begin receiving my teacher retirement, will WEP be applied to the Social Security benefit I would receive based ONLY on my own earning record or the higher Social Security retirement benefit based on my own and a former spouse’s record. The former spouse to whom I was married for 20 years is still living. Thank you so much.
Support Replied ~ 06-05-2012 14:45:38
When you report to Social Security that you are receiving a pension based on work that was not covered under FICA, you will be subject to WEP and GPO. The Wep will reduce your own benefit and the GPO will most likely wipe out your spouses benefits. (GPO is figured out by taking your state pension at 75% and reducing your spouses benefit dollar for dollar...Not good news....You should remember to contact Social Security when your spouse dies, since widows amount is double the spouses, and you might be eligible for something even with your state pension.....Carol
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You should consult with your local Social Security Office before acting upon any information received as a response to your question on "Social Security Advisor".
"Social Security Advisor" is intended to provide accurate and authoritative information with regard to the subject matter covered. It is offered with the understanding that neither the publisher nor the author is engaged in rendering legal, accounting, investment or other professional advice or services.
Information obtained from RetirementCommunity.com, including e-mail responses from "Social Security Advisor" should be considered as general educational information. You must never rely upon the advice given here. Your individual situation may not fit the generalizations discussed. Only your local Social Security office can evaluate your individual situation and give you advice.
|In the news:
Read Carols comments in this BankRate.com Social Security article
Thank you so much. The amount of infomation you provided on our call went a long way in helping to resolve the issues I had with the social security rep I was working with.
Tom F. 01-16-2020
Thank you so much. You provide a fantastic service and I really appreciate all your help. The next time I have a question regarding Social Security I will go to you first and save myself a lot of time.
Carol J. 01-04-2020
Thanks for the straight forward answers. It would have save a lot of time if I knew about this site months ago.
Emily D. 12-24-2019
Great talking with you and thanks for the help. Things now seem to be going in the right direction.
Chris H. 12-24-2019
Hello, thank you so much for responding to my inquiry, I really did not expect to get an answer from you so quickly. Brought the information you sent to my social security office an the issue, i have been dealing with for months, was resolved in an hour.
Veda M. 12-04-2019
Thank you so much for the reply.
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Thank you so much for returning my email so quickly.
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