No, my point is telling you that 98% of school districts do not withhold SS taxes from teachers pay. Only 17 (1-2%) school districts participate in some way withholding SS taxes. The vast majority do not.

I will add I was also answering this part of your post.

quote:

Their TRS pension withdrawal is all they have,unless they quit and work 10 quarters outside the teaching profession. Texas doesn't allow both benefits... unless...

You're in ERS. State employee benefit system which is vastly different from TRS. ERS garners both. Whether you're a Senator or highway flag man.

That's not true. TRS can also claim their SS benefits although at a reduced rate.

quote:
If you have worked other jobs besides being a teacher, you may be eligible to receive Social Security benefits, but you must be qualified to receive them. In order to be qualified, you must have earned 40 “credits”. You are able to earn four credits per year, and earn one credit for every $1,160 you earn (in 2013). Therefore, you have to have earned four credits per year over the course of ten years to be eligible for retirement benefits – there is no partial benefit if you get 20 credits, it’s all or nothing.

So let’s say you retire, receive your TRS pension but you are also eligible for Social Security benefits based on attaining over 40 credits in other employment. You will not be able to collect the full amount of your Social Security as listed on your statement. The Social Security calculator will take into consideration the amount of your TRS pension and then decrease the amount of your Social Security by a factor. You can find the calculator for this here. One thing that is important to note is that WEP cannot completely eliminate your Social Security benefit, but it can reduce it to a very small amount.

This post was edited on 4/28/18 at 2:46 am