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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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Four Common Social Security Claiming Mistakes

1. Not knowing your full retirement age (FRA). 'Full benefit' retirement age is rising beyond age 65 to age 67.

2. Not knowing you can file for benefits three months in advance of receiving income

3. Forgetting Social Security benefits can be subject to income tax.

4. Thinking early filers can later receive 'full benefits'. If filing early, your benefits are permanently reduced.

Seven Social Security Myths

1. Social Security will cover my income needs

2. It's better to take Social Security benefits early

3. I'll receive full benefits at 65

4. Once I start benefits, I can’t work anymore

5. I won't pay taxes on Social Security

6. Once I start Social Security, I have to continue receiving it

7. My divorce will reduce my benefits

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Not affiliated with the US Social Security Administration