[QUOTE=molly;1492324]"I don't get it. Why would anyone expect to collect SS if they didnt pay into it?"
Not so........I was a public school teacher fulltime for 8 years in a state that paid SS. I also subbed for a few years and worked at a hospital for 4 years. Moved to LA - where teachers don't pay into SS (never had heard of such a thing and didn't realize it until it was too late). I get slammed really hard. I would have been better off working at WalMart than working for the LA school system.
I learned about GPO back in the 80's while still teaching in CA, so tried to plan accordingly. (Which meant saying, "LitGal, you better prepare yourself. 2/3 of anything you get from STRS will be subtracted from your SS.") So, even though I'd worked through college and, after moving to OH, taught 12+ yrs. in a private school that paid into SS from my paycheck, my SS will be $0. Yes, I have the 40 Qtrs., but the SS benefit will be less than the 2/3 subtracted from my CA STRS.
Depending on the day, or the weather, I've looked at the many years of SS payments in several ways:
1. While the SS deductions have been "money down the drain" for me personally, I can pat myself on the back that I've done some civic duty by "supporting the system."
2. If I become widowed and wait until FRA or later, my 2/3 STRS can be subtracted from DH's SS. So, then, I'd get about $1,000/mo. as his survivor.
3. The benefits in #2 can be enjoyed guilt free, due to #1.
So, the piper will have been paid; but I'm hoping I might be, too.