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Phillips Esq.
Phillips Esq., Attorney-at-Law
Category: Social Security
Satisfied Customers: 17441
Experience:  B.A.; M.B.A.; J.D.
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We're trying to understand Social Security Offset. My wife

Customer Question

We're trying to understand Social Security Offset. My wife retired in 2013 after teaching school for 34 years in a school system that does not withhold Social Security. We have a friend who taught in a school system that does withhold Social Security. We've been told by our local Social
JA: The Retirement Accountant will know how to help. Is there anything else important you think the Retirement Accountant should know?
Customer: We have been told by our local Social Security office that my wife could not draw off my earnings because they would reduce any payment by two thirds. If she had worked in a school system that withheld Social Security would she still be subject to the offset?
Submitted: 2 months ago.
Category: Social Security
Expert:  Phillips Esq. replied 2 months ago.

Hello: This isCustomer Welcome to JustAnswer! I am reviewing your post, and I will post my response very shortly. Thank you for your patience.

Expert:  Phillips Esq. replied 2 months ago.

We have been told by our local Social Security office that my wife could not draw off my earnings because they would reduce any payment by two thirds.

Response 1: She can still apply and collect on the reduced benefits.

If she had worked in a school system that withheld Social Security would she still be subject to the offset?

Response 2: No, she will not be. Kindly note that the Government Pension Offset applies when she applies under your Social Security earnings. If she applies for her own benefits--under her own earnings, another offset would apply even if she has worked in another government institution that withheld Social Security from her payment. This offset is called the Windfall Elimination Provision.

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