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Social Security With A Government Pention
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Social Security
Social Security With A Government Pention
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I would like to know why SS takes half or more of my SS check because I have a Government pention? I worked and paid into SS the same as everyone else! I was a Firefighter for the city of Minneapolis,
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Cat:7a9899c6-bb01-48a5-bd56-e73d9d7e3998Forum:17f83b76-a805-4002-b497-6dbb421b0b8a
Cat:7a9899c6-bb01-48a5-bd56-e73d9d7e3998Forum:17f83b76-a805-4002-b497-6dbb421b0b8aDiscussion:d4cc23cb-78c3-4cef-9f0e-d3ce583b825e
Forums » Work & Retirement » Social Security » Social Security With A Government Pention
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Social Security With A Government Pention
posted at September 28, 2011 3:23 PM EDT
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Posts: 1
First: September 28, 2011 Last: September 28, 2011 |
I would like to know why SS takes half or more of my SS check because I have a Government pention? I worked and paid into SS the same as everyone else! I was a Firefighter for the city of Minneapolis, MN. for 25 years. I had other jobs before I was a Firefighter and during my Firefighter career. I paid SS for all those jobs and was eligible for my full SS, ecept There is a law, I here, that says if you have a government pention, you have to take a deduction on SS. Well, my monthly government pention is $3000.00 a month. I have a house payment of $1500.00 a month which takes half of my pention, not to mention that they take taxes and health care out of it also. If it wasn't for the fact My wife gets SSD, and my son lives here with his 3 kids, we'd have to be foreclosed on! I want to know if small government pentions are the only pentions effected by this stupid law? And WHY is this a Law? Tony |
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Re: Social Security With A Government Pention
posted at September 28, 2011 7:14 PM EDT
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Posts: 1840
First: June 12, 2009 Last: June 19, 2013 |
I am not sure where you heard this but visit the Social Security site, http://www.ssa.gov/ to find out more. Also see FAQ, http://ssa-custhelp.ssa.gov/app/answers/detail/a_id/27 the following is from the first sentence in the first paragraph, If your pension is from work where you paid Social Security taxes, it will not affect the amount of your Social Security benefit. |
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Re: Social Security With A Government Pention
posted at September 28, 2011 7:38 PM EDT
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Posts: 8374
First: March 4, 2009 Last: June 19, 2013 |
As a Government Retiree,I was in a County that didn't pay SS benefits I can tell you that I was lucky because I only worked for that County for 12 years, so, whenI retired I had already had all my quarters and contributions, But yes there is a law that will penalize you if you have a pension from a government that does not pay into SS. I had to work over 10 years after I retired to be able to make up some of that penalty, of course, my SS suffered because the last 5 years wer not my highest earned income years. |
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Re: Social Security With A Government Pention
posted at November 2, 2011 11:55 AM EDT
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Posts: 52
First: January 26, 2009 Last: September 19, 2012 |
I will retire next year at 65 from the federal government and my SS will be offset. I will retire under the old CSRS. I am told the only offset will be computed for the time I worked under the CSRS/offset so it should not be completely offset. I ended up in the CSRS/offset because in traveling around with a military husband who is no longer around I was unable to get a job and was out of the system for over a year. When I finally did get a job they put me in the offset retirement plan. They say there is a program for military spouses to give them priority but some places if you are not a cousin from the area you just do not get a job. In this place I worked in civilian jobs and was only able to get temporary jobs with the federal government. They did not collect retirement so while the time counted toward my retirement I had to pay back what they didn't collect. Wasn't that fun.
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Re: Social Security With A Government Pention
posted at November 9, 2011 6:42 PM EST
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Posts: 8374
First: March 4, 2009 Last: June 19, 2013 |
In Response to Re: Social Security With A Government Pention: I will retire next year at 65 from the federal government and my SS will be offset. I will retire under the old CSRS. I am told the only offset will be computed for the time I worked under the CSRS/offset so it should not be completely offset. I ended up in the CSRS/offset because in traveling around with a military husband who is no longer around I was unable to get a job and was out of the system for over a year. When I finally did get a job they put me in the offset retirement plan. They say there is a program for military spouses to give them priority but some places if you are not a cousin from the area you just do not get a job. In this place I worked in civilian jobs and was only able to get temporary jobs with the federal government. They did not collect retirement so while the time counted toward my retirement I had to pay back what they didn't collect. Wasn't that fun. Posted by luckylady02 Reagan, in 1986 changed the law and stated that if you had a government pension that did not pay into Social Security, your Social Security at the time of your retirement would incurr in an offset. At the time it was supposed to be double dipping. I feel that this is an unfair law, because women are the ones that fall most in this category, because they don't work all the time, only either after their families are grown and then they go back into the work field.
Leave it to politicians, to find a way to screw people. |
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Re: Social Security With A Government Pention
posted at February 18, 2012 7:17 AM EST
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Posts: 1
First: February 18, 2012 Last: February 18, 2012 |
My husband works for a school district that does not pay into SS. When he retires and collects his pension, the Windfall Elimination (WEP) will reduce his SS benefits drastically, even though he earned benefits in other jobs and careers. Worse than that, it seems that if I were to collect his pension as a surviving spouse, my SS benefits would be completely eliminated, even those earned through my own career and employment. That is the Goverment Offset provision (GOP). These 2 rules were enacted in the 1980's. The SS website explains that because they need to distinguish between someone who is genuinely poor and someone who worked but did not pay. One would think with today's technology they could figure this out. Why they take a lifetime of contributions away with the spousal clause in the GOP rule seems very unfair. And folks these affect do not find out about them until it is too late to plan for lost assumed income. No where - not even in AARP - do these get mentioned as a situation on which to be educated. |
Forums » Work & Retirement » Social Security » Social Security With A Government Pention
