Social Security Questions? Ask a Social Security Expert
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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.