Hi Bob, OK, here is the scoop on where you stand re SSA benefits. With regard to your post:
"Hello My wife pasted away on 9-14-2015 ------ I am so sorry!
"Social security said that I will not get any survivor benifits do to the fact that I' m getting a pension from the Chicago Fire Dept, --------- OK, yes, if you have a gov't pension and are not a "dependent" on getting a survivor benefit, then you are subject to the GPO, Government Pension Offset. They take 2/3 of your Government pension and subtract from your would-be survivor benefit. If it is zero or less, you get nothing. The reason for this is the same policy that prevents OTHER retirees in general from getting an SS survivor benefit if they have their own SS retirement that is bigger than the survivor benefit, is held to apply to all government retirement benefit retirees, be they getting from SS work or other non-SS work. A person with a relatively LOW government or SS pension MAY then get some survivor benefits from their spouses record but if their own pension is sufficiently high, they won't.
Here is more on this, so you can be clear on it:
"they stated that I could get Medicare but that I need to purchase part B do I need to hire a lawyer or is this the law Thank You Bob Ambos -------- Yes, so if you are over 65 and retired, i.e. not getting "creditable coverage" from an employer you currently work for, you will likely want to get Medicare now, so that you do not suffer a premium penalty later, that can be substantial. If you Do have free insurance elsewhere, it LIKELY requires anyway, that you take Medicare, so that IT can become secondary while Medicare is primary (so they can save money). But that is based on the terms of your other insurance policy, so you will want to inquire there.