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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.


Recent Content

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

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.

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Not affiliated with the US Social Security Administration