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 dylatess Your Own Question
dylatess
dylatess, ATTORNEY
Category: Social Security
Satisfied Customers: 3430
Experience:  37 plus years of SSD practice
29685164
Type Your Social Security Question Here...
dylatess is online now
A new question is answered every 9 seconds

How many years of work to you need to receive a social

Customer Question

How many years of work to you need to receive a social security check? I paid into social security for a total of twenty years and have 40 credits. I am now 69 years old. Also I retired from civil service I know that I will be penalized two thirds for receiving a civil service retirement.
Submitted: 5 months ago.
Category: Social Security
Expert:  Lane replied 5 months ago.

Hi,

...

I can help you here. You are very close (in your understanding) ... If you are a spouse or survivor, then the GPO (Government Pensioin Offset) reduces your benefit by 2/3 of the amount of your CSRS pension. (Which, if large enough could eliminate the Social Security benefit.

...

For the worker's benefit itself, there's something called WEP (Windfall Elimination Provision) which is a more complicaed formula - Essentially this reduced the 90% factor (there are three of them) of your AIME (Average Indexed Monthly Earnings) to 40% at 20 years of social security.

...

(Once you have 30 years, there is no reduction at all).

...

So with WEP, you'll never have every penny wiped out. With GPO (for survovirs and spouses) if the social securit is small enough ans the non-social secuity benefit large enough, it can wipe out the social security benefit completely