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Government Employee Benefit Qualification

If you worked in both the private sector and for the federal government (and some state or local entities), then you may qualify for both Social Security benefits and a government pension.

Since Social Security benefits are disproportionately weighted towards folks with lower incomes or shorter work records, someone with a private/public work record may receive "undue" Social Security benefits.

To offset this, Social Security has a "Windfall Elimination Provision" (WEP) which can affect your Social Security benefit.

Also, if you are eligible for Social Security benefits on your spouse's record, the "Government Pension Offset" (GPO) may affect your benefit on your spouse's record.

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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.

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.


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Not affiliated with the US Social Security Administration