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SSA.Help4u.168
SSA.Help4u.168, Accountant
Category: Social Security
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Experience:  Tax Accountant
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I am a retired school teacher from Ohio receiving STRS

Customer Question

I am a retired school teacher from Ohio receiving STRS benefits. However, I also worked for a federally sponsored program, The Recruitment & Training Program in Youngstown, Ohio for five years. Am I eligible for social security benefits?
JA: These retirement benefits are supposed to help us but they can be so complicated! The Retirement Expert will help you get the most benefits propertly. Is there anything else important you think the Accountant should know?
Customer: No.
Submitted: 2 months ago.
Category: Social Security
Expert:  SSA.Help4u.168 replied 2 months ago.

Hello. Thank you for choosing this Q&A service for assistance. We appreciate your trust in us. My name is Angela. I will be assisting you.

Q: Am I eligible for social security benefits?'

A: You may qualify, under the Windfall Elimination Program (WEP). However, if you do, your benefits will likely be reduced. SEE BELOW:

The Basics of Social Security in Ohio

If you work in local or state government in Ohio, there are two rules that could affect your ability to claim 100% of your Social Security benefit. The rules are called the “Windfall Elimination Provision (WEP)” and the “Government Pension Offset (GPO).”

These two provisions reduce (or completely eliminate) benefits for individuals who worked at a job where they:
A) did not pay Social Security tax
and
B) earned a pension from that work

For example, if you work as a teacher in Ohio you will not pay Social Security taxes. However, that work alone is not enough to subject you to the WEP or GPO provisions. You must also meet the service requirements and qualify for a pension to be affected by these hefty benefit reductions.

From a high level, it’s critical to understand that the WEP rule only applies to individuals who are entitled to a Social Security benefit based on their own work history and have a pension from work where they did not pay Social Security tax. Meanwhile, the GPO rule only applies to individuals who are entitled to a Social Security benefit as a survivor or spouse and have a pension from work in which they did not pay Social Security tax.

REFERENCE SOURCE:

http://socialsecurityintelligence.com/ohio-social-security/

When you apply for social security, be sure to ask if you qualify for benefits under the WEP. Let me know if I can be of further assistance to you regarding this matter. If I have addressed your inquiry, I ask that you take the time and scroll to the top of the page and select 3 or more stars to positively rate my response so that I can receive credit for assisting you. Thank you in advance.

Expert:  SSA.Help4u.168 replied 2 months ago.

Hello again. I am providing the link to another article that you might find beneficial.

http://socialsecurityintelligence.com/teachers-retirement-and-social-security/