How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask Megan C Your Own Question

Megan C
Megan C, Certified Public Accountant (CPA)
Category: Social Security
Satisfied Customers: 15588
Experience:  Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level
23669918
Type Your Social Security Question Here...
Megan C is online now
A new question is answered every 9 seconds

I worked for the Hawaii County Fire Dept from 1967 - 2000 and

Resolved Question:

I worked for the Hawaii County Fire Dept from 1967 - 2000 and worked a full-time job for 2 yrs before the fire dept. and continued working part-time jobs to earn social security credits (forty quarters) because the county did not deduct S/S payments from the firefighters' pay. I retired from the Air Guards (1977 - 1995 +3 yrs active service in the Army 1962 - 1965)- all paid into the S/S system.
I applied for S/S at age 62. I received less than half of the qualified contributions that I was entitled to received. The reason was because the state retirement system did not pay S/S for the county fire fighters. I full filled my 40 quarters by working on off-duty days.
Why was I penalized because the State retirement system did not?. I recently heard a brother fireman was not penalized and is receiving the full S/S payments he was entitled.
Is there a flaw in the system? I am now 69 yrs.old.

XXXXX XXXXXo
Submitted: 1 year ago.
Category: Social Security
Expert:  Megan C replied 1 year ago.

MyVirtualCPA :

I realize you have a question about social security. My goal is to provide you with excellent service, and help you better understand your options.

MyVirtualCPA :

How are you today?

MyVirtualCPA :

Unfortunately, you are subject to the windfall elimination provision which adjusts your social security entitlement based on other retirement pensions you get where you did not pay into social security.

MyVirtualCPA :

To not be subject to the WEP, you would have to have 30 years of social security work

MyVirtualCPA :

So your brother either worked for a department that contributed to social security or worked other jobs where he paid into social security.

Customer:

what is considered 30 yrs of ss work? What does 40 qtrs have to do with qualifying for ss

MyVirtualCPA :

40 quarters is the minimum to even qualify. 30 years of ss work is 120 quarters. You need 120 quarters to NOT be subject to WEP.

MyVirtualCPA :

You only need 40 quarters to qualify. That's just to be eligible to even receive a check.

MyVirtualCPA :

It's not really fair, but unfortunately that's how the system is set up.

Customer:

I worked for over 30 yrs on jobs (part-time, military)that paid ss. Doesn't that count?

MyVirtualCPA :

You have to have "substantial earnings" in those years

MyVirtualCPA :

Let me find you the substantial earnings chart

Customer:

ok thank you

MyVirtualCPA :

I'm still looking. When I don't need it, I have it and the second I need it I can't seem to find it

MyVirtualCPA :

http://financialducksinarow.com/4415/substantial-earnings-with-regard-to-wep/

MyVirtualCPA :

There's a chart that goes up to 2011

MyVirtualCPA :

Okay I found the chart on social security :

MyVirtualCPA :

http://www.ssa.gov/pubs/EN-05-10045.pdf

MyVirtualCPA :

it's the second page.

Customer:

ok, i will look in that website . Thank you.

Customer:

I will look it up.

Customer:

I will look it up. Mahalo!

MyVirtualCPA :

No problem. You have to earn at least the amount of substantial earnings for that year to count

MyVirtualCPA :

If you would, before you leave, please take a moment to rate my response as "Excellent" so that I may receive credit for assisting you today

Customer: OK, will that qual
MyVirtualCPA :

I'm sorry all I got was "will that qual"

Customer:

will that put we in the 30 yr bracket with substantial pay? LOL.. have a good day.

Megan C, Certified Public Accountant (CPA)
Category: Social Security
Satisfied Customers: 15588
Experience: Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level
Megan C and other Social Security Specialists are ready to help you
Expert:  Megan C replied 1 year ago.
Thanks, Tom for your positive rating. Please come back and visit MyVirtualCPA for any of your tax, finance, or social security needs. It was a pleasure working with you today.

In a few days you may receive a short survey. Please fill that survey out favorably, as that will assist me with my rankings on the site. Thanks again for being a valued JA customer.

JustAnswer in the News:

 
 
 
Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.
 
 
 

What Customers are Saying:

 
 
 
  • I really was impressed with the prompt response. Your expert was not only a tax expert, but a people expert!!! Her genuine and caring attitude came across in her response... T.G.W Matteson, IL
< Last | Next >
  • I really was impressed with the prompt response. Your expert was not only a tax expert, but a people expert!!! Her genuine and caring attitude came across in her response... T.G.W Matteson, IL
  • I WON!!! I just wanted you to know that your original answer gave me the courage and confidence to go into yesterday's audit ready to fight. Bonnie Chesnee, SC
  • Great service. Answered my complex tax question in detail and provided a lot of additional useful information for my specific situation. John Minneapolis, MN
  • Excellent information, very quick reply. The experts really take the time to address your questions, it is well worth the fee, for the peace of mind they can provide you with. Orville Hesperia, California
  • Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help. Mary C. Freshfield, Liverpool, UK
  • This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!! Alex Los Angeles, CA
  • Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult. GP Hesperia, CA
 
 
 

Meet The Experts:

 
 
 
  • dylatess

    ATTORNEY

    Satisfied Customers:

    3096
    36 plus years of SSD practice
< Last | Next >
  • http://ww2.justanswer.com/uploads/DY/Dylatess/2012-9-11_1968_BHBTemplePhoto.64x64.jpg dylatess's Avatar

    dylatess

    ATTORNEY

    Satisfied Customers:

    3096
    36 plus years of SSD practice
  • http://ww2.justanswer.com/uploads/MY/MyVirtualCPA/2012-7-5_44024_cookmegan1.64x64.jpg Megan C's Avatar

    Megan C

    Certified Public Accountant (CPA)

    Satisfied Customers:

    3942
    Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level
  • http://ww2.justanswer.com/uploads/LA/LawTalk/2012-6-6_17379_LawTalk.64x64.JPG LawTalk's Avatar

    LawTalk

    Attorney

    Satisfied Customers:

    1138
    I have 30 years of legal and litigation experience, including representing clients before the U.S. Social Security Administration.
  • http://ww2.justanswer.com/uploads/FA/fastfile/2011-12-15_23139_Klein2011small.64x64.jpg R. Klein, EA's Avatar

    R. Klein, EA

    Accountant

    Satisfied Customers:

    254
    Tax matters relating to Social Security Benefits only
  • http://ww2.justanswer.com/uploads/dkaplun/2009-05-17_173121_headshot_1_2.jpg Dimitry K., Esq.'s Avatar

    Dimitry K., Esq.

    Attorney

    Satisfied Customers:

    198
    Licensed in multiple jurisdictions, experienced business attorney.
  • http://ww2.justanswer.com/uploads/FL/FLAandNYLawyer/2012-1-27_14349_3Fotolia25855429M.64x64.jpg FiveStarLaw's Avatar

    FiveStarLaw

    Attorney

    Satisfied Customers:

    143
    25 years of experience helping people like you.
  • http://ww2.justanswer.com/uploads/CU/Cuttinggirl/2011-10-29_03719_wcrop2.64x64.jpg Wendy Reed's Avatar

    Wendy Reed

    Enrolled Agent

    Satisfied Customers:

    83
    15+ years assisting tax clients with taxation and eligibility of Social Security Benefits.
 
 
 

Related Social Security Questions

Chat Now With A Social Security Expert
Megan C
Megan C
4174 Satisfied Customers
Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level