Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
spouse's social security
Old 11-26-2010, 10:02 AM   #1
Full time employment: Posting here.
 
Join Date: Mar 2010
Location: Chicago
Posts: 868
spouse's social security

Trying to figure out if my wife is eligible for her full social security benefit. I just retired from a government job and I am receiving a pension. My brother in law says that because I am receiving a government pension my wife's social security benefit will be reduced. I think the way I understand it is she is eligible for entire benefit based on her work record. If she happens to pass away though I would not be eligible for any of her benefit because of Government Pension Offset. Who is right?
__________________

__________________
ripper1 is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 11-26-2010, 10:15 AM   #2
Moderator Emeritus
Martha's Avatar
 
Join Date: Feb 2004
Location: minnesota
Posts: 13,212
You are right. Windfall provisions are not applicable to her as she is not collecting a pension based on employment that did not have SS taxes withheld and she is collecting on her own work record. But these provisions are applicable to you.

Government Pension Offset
Windfall Elimination Provision
__________________

__________________
.


No more lawyer stuff, no more political stuff, so no more CYA

Martha is offline   Reply With Quote
Old 11-26-2010, 10:25 AM   #3
Moderator Emeritus
Martha's Avatar
 
Join Date: Feb 2004
Location: minnesota
Posts: 13,212
Government pension offset

The third question down also answers your question.
__________________
.


No more lawyer stuff, no more political stuff, so no more CYA

Martha is offline   Reply With Quote
Old 11-26-2010, 01:54 PM   #4
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
youbet's Avatar
 
Join Date: Mar 2005
Location: Chicago
Posts: 9,965
Quote:
Originally Posted by ripper1 View Post
Trying to figure out if my wife is eligible for her full social security benefit. I just retired from a government job and I am receiving a pension. My brother in law says that because I am receiving a government pension my wife's social security benefit will be reduced. I think the way I understand it is she is eligible for entire benefit based on her work record. If she happens to pass away though I would not be eligible for any of her benefit because of Government Pension Offset. Who is right?
As frequently happens when these kinds of questions are asked, Martha has pointed to excellent information and given great answers. Thanks.

Your BIL is misinformed.

But ripper 1, you don't specifically state that you did not participate in SS because of your gov't job/pension. GPO and WEP apply to folks who were excused from participation in SS due to their gov't employment status. Some gov't folks do participate in SS and therefore are not affected by GPO and WEP. Your wife's SS status will not be affected in either case. But whether you could collect on her SS, or if your own SS would be reduced, is.

Was BIL's advise given as part of a Thanksgiving get-together? I've noticed lots of bad advise/information is shared at holiday family gatherings! I try to keep conversations at these occasions to things like "refill on wine?' or "can I refresh that drink for you?" or "hey BIL, how about another beer?"
__________________
"I wasn't born blue blood. I was born blue-collar." John Wort Hannam
youbet is offline   Reply With Quote
wife's social security benefit
Old 11-26-2010, 02:09 PM   #5
Full time employment: Posting here.
 
Join Date: Mar 2010
Location: Chicago
Posts: 868
wife's social security benefit

Thank you for your reply, Youbet. I did not participate in SS while a government employee. I do however have 20 quarters of SS while I was in the USMC prior to my employment with the City of Chicago. I now wonder if it is wise to pursue the final 20 quarters needed for benefits. I believe I can go on my wife's benefit for medicare.
__________________
ripper1 is offline   Reply With Quote
Old 11-26-2010, 02:19 PM   #6
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
youbet's Avatar
 
Join Date: Mar 2005
Location: Chicago
Posts: 9,965
Quote:
Originally Posted by ripper1 View Post
Thank you for your reply, Youbet. I did not participate in SS while a government employee. I do however have 20 quarters of SS while I was in the USMC prior to my employment with the City of Chicago. I now wonder if it is wise to pursue the final 20 quarters needed for benefits. I believe I can go on my wife's benefit for medicare.
Yes, you can qualify for Medicare through your DW.

Whether it is wise for you to pursue an additional 20 quarters of SS covered employment in order to qualify for SS payments is a function of whether you want/need to work. My DW was in a similar situation. She had a dozen or so quarters of SS credit for part time work during highschool and college. Then she worked as a teacher in Illinois for many years, finally retiring. During that time, she chose to also teach part time on the adjunct facilty of a local university which was SS covered work. So, she wound up with sightly over 40 quarters.

Despite having the required 40 quarters, her SS at 66 yo will only be in the range of $100/mo due to WEP and the short time she was SS employed. In her case, she did the work for the pay and the experience (she always wanted to teach on the college level). It was not an effort aimed at getting SS credit. If it had been, she would consider it a dismal failure since the payout is so low vs the effort expended.

Bottom line is that if you want to go back to work for other reasons, go for it. But I wouldn't do it just to qualify for a small SS payment.

BTW, my dad and several other family members (all deceased) retired from the City of Chicago Civil Service System. It worked out well for them. I hope it works out well for you with the extremely serious underfunding that exists today.
__________________
"I wasn't born blue blood. I was born blue-collar." John Wort Hannam
youbet is offline   Reply With Quote
Old 11-26-2010, 02:33 PM   #7
Full time employment: Posting here.
 
Join Date: Mar 2010
Location: Chicago
Posts: 868
Again, Youbet, thank you for the insight. I think then working for me would be a matter of keeping busy. Yes, my father, grandfather, brother, and several uncles all worked for Chicago. It did work out quite well for them. Yes, the underfunding is a little scary but I think current employees and probably to a lesser extent retirees will have to take a haircut for this thing to survive. It will be a shame if they let this thing implode.
__________________
ripper1 is offline   Reply With Quote
Old 11-27-2010, 08:11 AM   #8
Thinks s/he gets paid by the post
grumpy's Avatar
 
Join Date: Jul 2004
Posts: 1,321
Quote:
Originally Posted by ripper1 View Post
I believe I can go on my wife's benefit for medicare.
t

Ripper,

If your gov't service was like mine, you will be qualified for medicare benefits on your own. My deductions included 1.5% for medicare. Also, my gov't health insurance automatically changes to medicare being the primary and BCBS being secondary next year when I reach 65.

Do you know if your paychecks include the medicare deduction?
__________________
grumpy is offline   Reply With Quote
Old 11-27-2010, 10:07 AM   #9
Moderator Emeritus
Martha's Avatar
 
Join Date: Feb 2004
Location: minnesota
Posts: 13,212
Federal employees pay into medicare and thus are qualified for the benefits. My Federal Retirement | FERS CSRS Thrift Savings TSP FEHB FEGLI

Medicare issues are a bit more complex for state and local government employees: How State And Local Government Employees Are Covered By Social Security And Medicare If you fall into a hole where you aren't covered on your own record, then you can be covered under your spouse's record.

(An interesting aside: if for some reason a person is not eligible for medicare they can buy into medicare when they reach eligibility age. With a nice big premium.)
__________________
.


No more lawyer stuff, no more political stuff, so no more CYA

Martha is offline   Reply With Quote
Old 11-27-2010, 11:25 AM   #10
Full time employment: Posting here.
 
Join Date: Mar 2010
Location: Chicago
Posts: 868
Thank you, Grumpy and Martha. I think because I started prior to 1983 I was not eligible to participate in Medicare. I am only 55 so I have a good ten years before I am eligible. My BCBS premium right now for me and my wife is over 700 a month and rising each year.
__________________

__________________
ripper1 is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
when to get social security Rob FIRE and Money 71 08-12-2010 07:09 AM
Re-do of Social Security Finance Dave Life after FIRE 9 09-23-2008 04:48 PM
Social Security Carol0720 Other topics 5 07-19-2007 01:18 PM
When to take Social Security sgeeeee FIRE and Money 244 05-27-2007 10:48 AM
Social Security, --- Again Sundance Kid Other topics 12 03-05-2007 08:53 PM

 

 
All times are GMT -6. The time now is 06:30 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.