I have an interesting problem that I wonder if anyone else has. When I went back to work after raising kids for 12 years, my school district put me on the state teachers retirement, where they do not take out social security, but I was supposed to be on the city retirement system, where they do. Evidently when I was 22, I had opted for this, but I had no memory of it. Then, after 6 years, someone discovered the error and all the money from the state was transferred to the city. Now, when I get my ss statement, all those years are zero and so my ss is much lower than it would have been if the school had not made that error (and my error too, but who remembers what they did at age 22
) And I had actually resigned my job when I stopped teaching, so why I could not be on the state teachers system is another question.
Be that as it may, I wonder about my lost social security years. Can I put the money in? Would it be worth it?
Does anyone have a similar problem