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Social Security/State Pension
Posted on 2/26/24 at 6:01 pm
Posted on 2/26/24 at 6:01 pm
I’m waiting on an attorney to call me back on this, but was hoping somebody on here might have some insight. My Pawpaw passed away very recently and I’m unsure what my Mawmaw will receive in terms of benefits. He drew about $1,000 per month on social security and she drew a smaller amount individually. He also received around $1,000 per month from a state pension (he was a state prison guard). Will she receive a reduced amount in social security and will she be able to draw anything off of his pension? Thanks in advance.
4
Posted on 2/26/24 at 6:14 pm to adavis
Generally she would take over his SS amount and give up her current one
But a state pension brings in special rules. That pension may or may not have survivor benefits .
But a state pension brings in special rules. That pension may or may not have survivor benefits .
Posted on 2/26/24 at 6:19 pm to adavis
If your Mawmaw is full retirement age she will get 100% of your Pawpaw's SS benefits.
This post was edited on 2/26/24 at 6:20 pm
Posted on 2/26/24 at 8:02 pm to adavis
If he bought the survivor benefit plan she will get a portion of his pension. If not, nothing.
Posted on 2/26/24 at 8:21 pm to adavis
Thanks for the replies everyone.
Posted on 2/26/24 at 9:26 pm to La Place Mike
quote:
If your Mawmaw is full retirement age she will get 100% of your Pawpaw's SS benefits.
Technically she’ll get her SS and then a survivor benefit that will make her total benefit equal to her husband’s. She will effectively lose the lower amount of SS income from a gross standpoint, but they’re still calculated individually. It can have an impact on the WEP and GPO calculations.
Posted on 2/26/24 at 9:42 pm to adavis
The pension amount will depend on what option paw paw chose at retirement. It could range from the same amount to zero. LASERS should be able to give you information.
As to social security, as I understand, surviving spouses get all/some portion of the husband’s social security. However, maw maw will get ZERO. It’s a damn crime by our federal government. Paw Paw’s social security benefit goes away JUST because he was a public servant and receiving a state government/public pension. It’s called the Government Pension Offset (GPO) law. Look into it. It’s totally wrong and unfair to these surviving spouses. No other sector of society is singled out like this and denied survivor benefits.
As to social security, as I understand, surviving spouses get all/some portion of the husband’s social security. However, maw maw will get ZERO. It’s a damn crime by our federal government. Paw Paw’s social security benefit goes away JUST because he was a public servant and receiving a state government/public pension. It’s called the Government Pension Offset (GPO) law. Look into it. It’s totally wrong and unfair to these surviving spouses. No other sector of society is singled out like this and denied survivor benefits.
Posted on 2/26/24 at 10:24 pm to HEtiger
quote:
It’s totally wrong and unfair to these surviving spouses. No other sector of society is singled out like this and denied survivor benefits.
I’m not some big supporter of the GPO or WEP, but municipal pensions are singled out because those employees typically paid very little to zero in social security taxes along the way. They have their pension instead of SS, at least that’s the logic.
Posted on 2/27/24 at 8:11 am to slackster
quote:
but municipal pensions are singled out because those employees typically paid very little to zero in social security taxes along the way. They have their pension instead of SS, at least that’s the logic.
It depends. I worked well over my 40 quarters in the private sector but because I then went to work for the state long enough to get vested, I will now lose about half of whatever I would get from SS had I never worked for the state, upon my retirement (assuming retirement at 67). The WEP (Windfall Elimination Provision) is nothing more than the federal government's attempt to strongarm entities into joining into the SS scheme.
To underscore this, while I will lose roughly half (48.6%) of my SS returns because of being vested in the state's pension system, if I had just gone to prison instead I would get the full amount upon release. In both instances I am no longer contributing to the program, but in one I am still contributing to the economy and paying taxes but in the other I am not paying taxes while being a drain on government resources.
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