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40 Percent of US Public School Teachers Aren't Covered by Social Security

About 40 percent of public school teachers aren't covered by Social Security. In other words, teachers in 15 states aren't covered by Social Security. In these states, teachers don't pay Social Security taxes, and instead rely on state-run pensions.

However, if these teachers have some work experience in the private sector, they may qualify for Social Security benefits. However, they must be aware of the "double dipping" provisions in Social Security called the Windfall Elimination Provision and the Government Pension Offset, which can cut into Social Security survivors benefits.


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National Social Security Advisor Certification Available

If you're looking for advice on Social Security benefits, it may be useful to find someone with the "National Social Security Advisor" certification.

Although the NSSA appears to be a privately issued certificate, it seems to convey some level of knowledge about Social Security benefits. Finding a financial advisor with NSSA certification may be something worth exploring.

Good Article on Social Security Benefits for Divorced People

This is a good article which outlines Social Security benefits for divorced people. The article refers to "divorced women", but it also applies to divorced men (especially if the woman had higher earnings).

Excerpt :

The law says a divorced woman, who was married to her ex-husband for a minimum of 10 years, is due essentially the same benefits as a woman who is currently married to her husband.


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Not affiliated with the US Social Security Administration