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Social Security Advisor


DISCLAIMER - THIS WEBSITE IS NOT ENDORSED BY OR AFFILIATED WITH THE U.S. SOCIAL SECURITY ADMINISTRATION , OR ANY GOVERNMENTAL ENTITY.

Social Security AnswersCarol Thomas has recently retired from the Social Security Administration after 28 years service. If you have any questions about Social Security, please ask. We will use the questions you send for future posts. I will never post anyone's name, or other identifiable information.

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Massachusetts and the windfall offset
Date Add : 05-27-2009 

Views : 229

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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 SS BENEFITS if I teach for 9 years in this system. Apparently, I cannot receive my full SS 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 SS for about 25 yrs, 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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Due to overwhelming demand there is now a fee of $10 per email.
You will receive a reply within 72 hours of payment being received.
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User Feedback:
Thank you for your help in getting this problem resolved. I don't know if the District Mgr you talked to was involved in the resolution, but you were able to let me know I was within the regulations. That kept me from caving and doing something I didn't want to do.
Mary - 1/16/10


Thank you so much for your help. It has been a godsend. The information you gave me was priceless. Keep up the good work.
Michael - 9/23/09 


You are a wonderful person, Carol. And many will benifit from your site. You make it all seem so simple. Thank you again, and may God bless you.
Lee G - 8/19/09 


Thank you very much
Sharon H - 7/25/09 


Thank You...I think what your doing to help is wonderful.. Thank you again and God Bless
Danny H - 7/10/09 


Carol, thank you so very much for this info. I have really searched many sources without a straight answer such as yours is. This is an invaluable service you do and I appreciate it so much! The speed with which you answered shows true human concern. Keep up the good work, and best of luck!
Linda H - 6/17/09


Thank you for your rapid response to my social security question...we need running for goverment office perhaps even state represenitive; you certainly would have my vote!!!!! Again Thank You !
Roberta H - 6/12/09 


Thank you Carol for your wonderful service. I think it is a great way to get advice!
Terry B - 6/04/09 


What a maarvelous service you provide. I have shared you website with people at work.
Patti - 5/28/09


What a maarvelous service you provide. I have shared you website with people at work.
Patti - 5/28/09


Carol was genuinely concerned and it showed....Carol is a real gem!!
D. Wiley Bowers - 4/19/09
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Thank you so much, you cannot believe how helpful this information is to me it will help me when I talk to the SS agent. Read More


Thank you so very much for your reply!
Some of this is confusing...and it seems when you ask someone at S.S. you get a different answer than the next person.
I appreciate your answer.
Mrs. Gibson - 10/24/08
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