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My ss bentifits are reduced by 75% because i have a

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My ss bentifits are...

My ss bentifits are reduced by 75% because i have a retirement plan can my wife fdile on my ss benifits ands recieve full benifits without the 75% reductionthat affectsa me ?

Accountant's Assistant: 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. Please tell me more, so we can help you best.

Because i recieve a PERA retirement from the state of Colorado but because of this i recieve only 25% of my ss benifit. If my wife files to recieve benifits from my ss will she also be denied all but 25% ??

Submitted: 4 months ago.Category: Social Security
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Answered in 7 minutes by:
12/5/2017
Social Security Expert: Lane, JD,CFP, MBA, CRPS replied 4 months ago
Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 13,997
Experience: Law Degree, specialization in Tax Law and Corporate Law, CFP and MBA, Providing Financial, Social Security & Tax advice since 1986
Verified

Hi. My name's lane.

I hold a law degree (J.D.), with concentration in Tax Law, Estate law & Corporate law, an MBA in finance, a BBA, and CFP & CRPS (Chartered Retirement Plans Specialist) designations, as well - I’ve been providing financial, Social Security/Medicare, estate, corporate, non-profit, and tax advice 1986.

If you’ll please bear with me for a minute I’ll type up my initial response, and then we can go from there if you have further questions on this.

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Social Security Expert: Lane, JD,CFP, MBA, CRPS replied 4 months ago

No, only hose receiving what SSA calls a non-covered pension get the reduction caused by (1) the WEP (Windfall Elimination provision), which reduces your own work record benefit becasue you receive a government pension or (2) the GPO (Government Pension Offset), which would reduce your benefit if YOU received an ancillary benefit such as spousal or survivor benefits on your WIFE's record.

...

Unless you WIFE receives a non-covered (government, such as teachers or state and local government) pension HER spousal benefit on your work record will NOT be reduced.

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Social Security Expert: Lane, JD,CFP, MBA, CRPS replied 4 months ago

You can read more about the WEP and the GPO here:

https://www.ssa.gov/planners/retire/gpo.html

https://www.ssa.gov/planners/retire/wep-chart.html

...

Please let me know if you have ANY questions at all, before rating me.

If this has helped, and you DON’T have other questions … I'd appreciate a positive rating, using the stars on your screen, and then clicking “submit" – That’s the only way I’ll be credited for the work.

...

But again, if you need more on this, please let me know.

Lane

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Lane
Lane
Lane, JD,CFP, MBA, CRPS
Category: Social Security
Satisfied Customers: 13,997
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Experience: Law Degree, specialization in Tax Law and Corporate Law, CFP and MBA, Providing Financial, Social Security & Tax advice since 1986

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