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Was married to ex spouse for 16 years and that was 23 years ago. I am now almost 66 years old and have applied for ex spouse half payment for social security

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Last Update : 04-01-2009 

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Social Security Question:

I am 63 years old and have been informed by colleagues that even though I have earned far above 40 credits is other businesse

Social Security Answer:

I am 63 years old and have been informed by colleagues that even though I have earned far above 40 credits is other businesses, the fact that I now teach in the public school system of Mass. where Social Security is not paid, I will be penalized from receiving my Social Security BENEFITS if I teach for 9 years in this system. Apparently, I cannot receive my full Social Security benefits and a pension from the state of Mass. without penalty. Is this true?? Thanks.


Support Replied ~ 04-03-2009 18:37:57

Dear Tom: This is called Windfall Offset. Since you worked for a pension not under SS, the computation for benefits is different. However, if you have 30 years of coverage under SS, there will be no offset. So....if you worked under Social Security for about 25 years , your offset would not be nearly as severe as someone who only worked 5 years under SS. There is a section on SSA.GOV on this that can explain it to more detail. If you need to ....write back.....Carol

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DISCLAIMER - 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.


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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. 09-14-2019


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. 09-02-2019


Thanks for the straight forward answers. It would have save a lot of time if I knew about this site months ago.
Emily D. 08-22-2019

Great talking with you and thanks for the help. Things now seem to be going in the right direction.
Chris H. 08-22-2019

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. 08-02-2019

Thank you so much for the reply.
Tom C. 07-03-2019

Thank you so much for returning my email so quickly.
Laverne J. 06-23-2019

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