Educators fight unfair offsets that gouge retirement benefits

By Brian Washington/photos by 401K 2013

Imagine this. You’ve spent the last 30-years dedicating your life to teaching students Algebra at a local high school. And during those decades in the classroom, to help make ends meet, you’ve worked several part-time jobs—including a 15-year stint as a night auditor at a local hotel. But now, you’re looking forward to retirement—that is, until you learn about a government offset called the Windfall Elimination Provision (WEP), which is going to reduce your Social Security check by almost half.

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While it sounds like a retirement nightmare, for hundreds of thousands of educators, police officers, fire fighters and other public service employees, it’s a reality. WEP penalizes people who have dedicated their lives to serving their communities by taking away benefits they have earned. It impacts public employees who work in what’s called, “non-Social Security states”—states where Social Security is not withheld from public sector employees. However, if these employees are eligible to collect a benefit as a result of private sector jobs they may have held, WEP robs them of a significant portion of their Social Security checks.

retirementFor example, if the retired teacher mentioned earlier–the one who worked part-time as a hotel night auditor–was eligible for a monthly Social Security benefit of $415 and received $1423 from her monthly teaching pension, under the WEP formula, her Social Security benefit would be reduced to $206. For those on a fixed income, that loss of $209 really hurts.

“I think I should be able to collect what I am due,” said Nancy Allen, a 62-year-old teacher from Alaska—a non-Social Security state—who retired four years ago and is eligible to collect Social Security based on several private sector jobs she held during college and after leaving the classroom.

I am not going to ever receive a large amount of Social Security because I didn’t put large amounts into the plan. But I did put money into the plan, I am eligible, and should be able to receive all that I am due.

The good news is that one of Allen’s U.S. Senators, Mark Begich (D-AK), is expected to introduce legislation later this week to repeal WEP. A similar bill–sponsored by Reps. Rodney Alexander (R-IL) and Adam Schiff (D-CA)–has already been introduced in the House. Both House and Senate versions will also target another offset that’s penalizing public employees in non-social security states. It’s called the Government Pension Offset, or GPO.

U.S. Senator Mark Begich, D-Alaska
U.S. Senator Mark Begich, D-Alaska

Because of GPO, 9 out of 10 public employees lose their entire Social Security survivor’s benefit, even though their late spouse may have paid Social Security taxes for years. In fact, some 300,000 people lose, on average, about $3,600 a year due to GPO—that’s an amount that can make the difference between self-sufficiency and poverty for those loved ones left behind.

“If you have a spouse and you’re Social Security is based on their benefit because they are deceased and you lose that benefit—that could really have a serious negative impact on people,” said Allen, who fears good educators and retired private sector employees looking at public education as a second career will steer clear of those states impacted by GPO/WEP. “I think the Social Security formula should be the same for everyone, and there shouldn’t be 15 states that are affected by this.”

But unfortunately, this problem is not just limited to the 15 non-Social Security states—Alaska, California, Colorado, Connecticut, Georgia, Illinois, Kentucky, Louisiana, Maine, Massachusetts, Missouri, Nevada, Ohio, Rhode Island, and Texas. Because people move from state to state, there are people impacted by GPO/WEP who live everywhere within the country, and that number continues to grow as more reach retirement age. However, thanks to federal lawmakers like Senator Begich and others, Allen sees a ray of hope extending from Capitol Hill.

“I feel good about what Senator Begich is doing,” said Allen. “Not everyone is willing to introduce a bill like this and I am very proud that Mark Begich feels he can do that.”

Send an email to your representative urging them to support and cosponsor the Social Security Fairness Act of 2013.

108 responses to “Educators fight unfair offsets that gouge retirement benefits

  1. The reality of this mess is simple: People pay their own money into Social Security and trust the government to return the money when time fits. It is theft that the money is not returned and people are penalized by some states. A class action suit needs to filed to end this immediately. Politicians are not the way to go as this will remove, though a small amount, money from government budgets and an already stressed SS system.

  2. I worked ten years paying social security before teaching 26 years in Texas. I took a lump sum to pay off debts and received a reduced annuity when I retired due to health issues. Because of the offset penalty and Medicare deductions I get a whopping $155 a month from Social Security. Don’t you think if I had invested the SS money deductions in an interest account (which was 10% in most of the first 20 years of my adult life) I would have a sizable savings account?
    Instead…I get my teacher pension (which I had drastically reduced to pay off massive debt from family illnesses) so I get $155 a month from Social Security. Then I had my emergency artery surgery in which I died twice on the operating table and that setback propelled me into bankruptcy at age 65. My wife has to work the rest of her life to make our bills. She is ill also and has to take a job out of state and is gone 10 months out of the year. A national government that does not take care of elder citizens is a savage and heartless bunch of humans. Ice Age families took better care of the elderly. Maybe it would have been easier to have slipped away during my surgery. But I still try to work part time to help pay our bills. If even my SS check was $500 it would help. The SS lady told me It would be too difficult to prove my medical disability so I got screwed there also. I can’t work hard labor jobs or stand on my feet for 8 hour shifts. Just doesn’t seem fair Social Security is such a mess.

  3. The same procedure is in Kentucky to…Worked as teacher..husband worked on railroad for 41 years…he paid for my retirement in the railroad can’t draw any monies….I would have received $1600 a month but can’t bc of this stupid law!!

    1. I can’t even imagine how this law was passed! And so many people think that Reagan was such a hero. Lowlife is more like it!!
      Of course, all of THEM got both, and obviously have no consciences.
      ANY Citizen who contributed should come FIRST in the distribution of SS funds……….
      Punitive and totally discriminatory!!!!!!

    2. I worked for the school system for over 40 years after Medicare I get 35.00 a monthly husband died I get 230 00 out of his 1700.00 this is not right I should have quit instead of retiring sure hope this bill passes

  4. The United Staes government runs one of the biggest Ponzi Schemes in the World. A select group determains how and when your hard earned money is dispersed. Many of our for fathers fought hard against the social security program that President Roosevelt introduced many years ago because they new it would cripple mans ability to look out for himself and family. Fortunately my parents taught their kids personal responsibility and for every dollar earned there should be a few cents set aside for retirement. You see it’s a lot easyer to spend others money than your own and that’s what governments do, sometimes for good sometimes not. Please teach your children well parents. And if you need to learn also Google searches will help. One good book I would recommend is “The Truth About Money” by Ric Edelman. And a good time for children to learn is when they are young. I would start about the seventh or Eighth grade on a read but teach the basics when they ask for a toy. Not only can retirement cause problems when not prepared but I see a lot of grandparents raising grandkids. By the way my parents were never rich but they lived below their means and were very happy.

    1. Want to get even more upset? The Feds also give SS benefits to illegals and lazy people on welfare who get some fraudulent doctor to declare that they are disabled. Its happening in every major inner city. Some ghetto family has 4 kids. They take the kids to some fraudulent doctor and pay him to declare that this kids are have some form of disability. Then the mom collects the SS benefit on the kids, and when the kids are 18 they keep collecting the benefit. Its a huge scam and nothing is being done to stop it.

      1. Reagan shite tailed this one in when he was president. I just found out about it when I turned 62 2017 . It’s a shock to me and most other people. I worked in the private sector 22 years and in the public for 22 years and they tell me I will not be able to claim what I worked for. It’s totally unfair. I am going to starve to death just to live. I didn’t make a fortune working.

      2. The number of these “scammers” is so low that it’s completely insignificant. And the Federal government does not manage the welfare system. That’s the states’ responsibility. State governments work diligently to insure that only people who are qualified are able to receive benefits.

        Yes, some fall through the cracks. That’s the problem with bureaucracy, it isn’t infallible. And they don’t have the resources to insure that every ID is valid. But they don’t knowingly give illegal aliens financial support. That’s against Federal law.

        In any country as large and diversified as the U.S., there are going to be those who illegally work the system. But we can’t penalize 98% of recipients because of the behavior of about 2%. And that’s about the % of people who cheat the welfare system. And by the way, I’m a conservative. You will read that it costs the nation millions. Let’s be realistic, a million dollars in a 4.7 TRILLION dollar budget is less than the cost of a gumball from a $100 bill in comparison.
        That is the price we pay so that those who are really poor can get the aid they need. The alternative is a massive increase in crime by those who are willing to do anything to avoid starvation.


    1. My husband taught for 25 years in California and then we moved to Arizona and he taught for another 6 years. During his summers in CA he always worked jobs that took Social Security. Arizona also took SS. We bought a business in AZ when he retired from teaching and paid SSI for another 15 years. His total SS benefit after WEP is $544/mo. He is not entitled to my SS benefits or my death benefits. This is a punitive law and every teacher and public worker should contact their congressman and senator to support the current bills to end WEP and GOB. These bills come around every few years and the House and Senate leaders do not bring them up for the vote. More voices need to be heard! HR1205 and SB915 are the current bills. Call or write your Representative and Senator to support these bills.

      1. I totally agree with you. If you paid, you should receive.

        This should make you even angrier. If one spouse did not work, did not pay into ss but the other did, then when they retire, the person who worked will get their ss and the person who did not work (did not pay into) will get 1/2 of the ss of the person who worked!!

        So they paid nothing and will receive, yet you pay and don’t receive. Isn’t that messed up?

        Also I think the person who did not pay should not receive unless the spouse dies.

    2. yes, it’s called robbery. Take monies out of our pay checks and then refuse to give it back to us later in life even though that’s what it was for. What a scam! Why is it required then? It’s not labeled a tax! Call it what it is! So the essential workers (police, fire, EMT, and yes, teachers) are robbed of their ss monies because they pay into a retirement fund that is usually mismanaged and makes very little interest if any. Gee, thanks. God forbid we get our ss. We might get too much money and get all that power that comes along with it. They’ve already ripped teachers when wall street crashed the first time in the 2000s to take the attention away from them. Then they turned to the police. So now no one wants to be in either career. Keep going……

  6. You have to love the Dual entitlement. We pay into these “dual entitlements” and politiciNs out of their wisdom say we shouldn’t collect 2 retirements. However, let them look at their retirement plans. They do not pay into them, and they collect a nice pension after as little as 4 years of service, allowing them the ability to work at a second and third government job where they get to collect full pension from all three! All of which the tax payers pay not them! So how is this fare? Plus check out their medical coverage.

    1. Forgive my use of genders but it will make my point easier for me to write. In Ohio a wife who has never work a day in her life will receive 50 percent of her husbands Social Security benefit while he is living and his full benefit upon his death. should that wife work 15 years as a teacher she looses essentially all social security benefits. Thus for working 15 years she receives slightly more retirement while her husband is living but upon his death she earns far less because she does not receive the death benefit. As women live longer on average the teachers loose.

      1. If I leave teaching after 14 years, do I lose my SS benefits due from working in the private sector for a long time.? Can I withdraw my own money paid in and place it in an IRA?

        I’m trying to decide if I should go at the end of the year.

    2. I worked 29 years as a payer into SS. I am also on a pension from OPERS (OH Public Employees.) Just applied for SS, and my benefit is exactly 1/2 of my pension amt. WTF? I have paid into Ss for 29 years. How in the name of God is that fair. Luckily, I have my pension. This Absolutely Blows!@@@@@@!

  7. There are always “two sides to the coin” and with this issue, it is time. I am a teacher of 31 years ready to retire from a state that pays into social security. There are some important facts to consider that non- SS paying teachers need to know. First, our pension benefit averages are lower and we do not begin receiving our retirement benefits necessarily at retirement.
    A teacher who begins at age 22, right out of college and works for thirty years will be 52- she can get her pension benefit but not her social security and certainly not any 403b funds without penalty. So, there are gap years for us until at least age 62 to get a reduced social security to shore up the 48% or so of average salary we earned as benefit. I will have to wait seven years for social security after retiring as a teacher or work at least 38 years to get both parts of my retirement- something that non-paying social security states do not have to wait to receive. My aunt and uncle, retired teachers in Ohio, got 66% and 68% of their income immediately at retirement in their mid fifties.

  8. I am a retired teacher with 22 years service and 10 yrs. working in the private sector. I am sad because due to Web and gob, I will not receive spouses benefits. This makes it difficult to live on. My husband returned to work after retirement because we are not meeting our financial needs. Something needs to change.

  9. Texas retired teachers need to get together and protest what the state of Texas has done with our 2015 pensions. The state is scamming us, retirees, by taxing us in 2015 for higher, additonal taxes on an increased salary we never received. We only received pay for 12 months, and our monthly checks did not increase by a penny. Yet we are paying taxes based on 13 months of pay, instead of 12 months of pay. They are telling us, “Don’t worry, you did not lose money, it was just a change of bookkeeping. Next year you’ll go back to paying taxes for 12 months of pay.” Yes, we did get scammed this year, and we need to arise in mass and protest. If they got away by scamming us this year, they will try it again.

  10. My husband worked for the grocery stores for almost 40 years. Full and part time (while teaching). He taught school for 33 years. He was never informed that he would not receive his full SS when he retired. I was with him at the SS office when their representative told us that if he had never put one dollar into SS he would be receiving $749.00 a month but since he worked in California that he would only get $200.00 a month. We almost fell over when we got the news…. This was in 2006 when he retired. Why did he pay in all those years???? We give billions of dollars to other countries and our workers get screwed!! And how many TRILLIONS do we owe as a country for government overspending ( 18 trillion) Most people can’t even understand a trillion. So lets put it into second. 1 Trillion seconds 32,688 Years… Multiply that by 18 Trillion!!!!!! It’s about time “we the people” start voting and pay attention to the news and what our politicians are doing to the uninformed!!!!

  11. Given that public employees are grossly overpaid and collect overly generous pensions anything that cuts these benefits is good. The main enemy of today’s taxpayer are the public Unions. Benefit/pay cuts on the order of 50% are needed to bring the public employees down to the level of the average taxpayer. Its time the goldbricking public employees pay their fair share.

    1. My “overly generous pension” will be the result of having $500.00 per month forcefully removed from my take home pay and placed into a pension plan. By the time I retire, it will have been enough to pay for a nice house. Also, I have worked very hard for a pension, and am still paying for the education required to do the job. My pension will be well deserved.

      1. I hope you get that pension Kelly but if you work in education you are only one nut job principal away from losing out. Believe me, there is a drive on to move teachers out and in my opinion, part of that is underfunded pensions. They get rid of you and you get no Retirement. You also GET NO CONTRIBUTIONS…. just that $500 amount you paid in…. And guess what that teacher passes away…. Bye to that…..

        1. Retired teacher here. I agree. I saw many teachers through the course of my career who were near retirement age that suddenly received poor evaluations and were either forced out or fired. I always suspected age discrimination. I was one of the lucky ones who ‘made it’ to the end.

    2. You’re nuts! You think they are overpaid because you are UNDER PAID! My bother-in-law retired as a teacher after 30- years and he’s only getting $200 in SS Benefits a month! That is JUST WRONG! And that whole OFF-SET is unfair!

    3. Wow. And all this time I thought the “main enemy of today’s taxpayers” are the bankers and wealthy high-powered businessmen and do-nothing politicians! Thank you for pointing out that we greedy teachers are the ones responsible for undermining the nation and robbing citizens like yourself of the Almighty American Dream!

    4. Ignorant comment that demonstrates your lack of understanding on SS as well as government employee retirement plans. If someone pays in to either program they should receive what they are due. WEP steals money from people.

      A simple demonstration: Person A and Person B both work 30 years at a job where they make exactly the same $$, and pay into SS. Thus, they should both receive exactly the same payout from SS upon retirement.

      However, Person A also worked in local government for 10 years and is due a small pension there. WEP slashes Person A’s SS benefits because he receives the government pension.

      So, in spite of paying the same amount, for the same length of time, as Person B – Person A does not receive the same SS benefits. This is unjust. Even an uber conservative right wing nut job has to admit as much.

    5. Over paid public workers. I believe you are confusing educators for politicians. Classified employees in schools, get their full socal security. It’s discrimination that a certified loses 50% of their social security due to the windfall law. Rediculous. I worked hard as an educator and held a second job while being a single parent. Not only can I not collect social security off a 20 year marriage from an exhusband, they cut my 350.00 in half. So. I got hit twice! I go broke for two weeks of the month waiting on my monthly pension now!

      1. No classified employees don’t get their full is the same for them as teachers! My husband worked his whole life and paid into SS. My retirement from the district will be subtracted from his SS and I will get about $1000 a month – after 15 years with NV and 6 years with Washington – is subtracted from his SS. I’m entitled as his a widow. I am raising our 7 year old granddaughter! I’m devastated that I will not have enough money to support us! I was told the same thing double dipping!

    6. Yes, wesmouch, I am over paid?! I have over 30 years experience and a masters degree and over 28 grad credits on top of that. I take over 30 CEUs/3yrs to retain my 3 licenses required. I am dual certified in 2 states. I pay for all of those licenses and certs on my own as I do not have a company to pay for those. Unlike the private sector, I do not have PAID vacations. I am paid for the days that I work, like all the other school employees. I CHOOSE to have my check spread over the 12 months for budget purposes. I make for less than most with over 30 yrs experience with a masters plus credits in the private sector. I’ll walk away with a pension of 12k/year from my current job. No one in my state ever sees their 60% recognized. It’s a sad state of affairs. We are mostly highly educated, but highly educated teachers are now hard to find because word has gotten out. They can require the education but when it comes to filling empty spots, desperation is certainly out there. Things will have to change. And such uneducated and disgusting attitudes will have to change. We are people just like you and we are your parents, your sisters, your kids. We require housing, meds, and food in our old age. Selflessness apparently is a thing of the past.

  12. The WEP is not a penalty. It is a correction of train assumptions in the SS formula made necessary by th fact that the recipient did not pay any money into the system through the state job in the non-participating state. Government workers in those states have larger pay checks since the SS tax is not deducted. Get your state to start participating rather than ask the federal government to change the law to give you money you did not earn. I work in a state where the social security tax is deducted in addition to the pension deduction. That is why my SS payment will not be reduced.

    1. We are not asking for social security which we did not work for! We want the social security from jobs we did pay into. Plus, the State of Illinois never did pay into our pension they were suppose to. All my pension was paid in by me.

  13. I worked for 52 years. 32 yrs as a teacher and 20 yrs in private sector. I paid into both teacher retirement and social security. When I retired in 2005, I got my teacher retirement . However, I only got half of my social security due to WEP Offset. It just isn’t right. If you pay into both, you should get both. I glad someone is finally trying to rectify this injustice. Kudos to the Senator.

    1. Lots of whining and crying on here. Perhaps you should have educated yourself on simple things like finances and pension law before taking the job. It isn’t exactly rocket science. Research all angles before leaving and accepting jobs. If you have gave up money. That was your choice. The laws were written this away before you took the job. The only one you have to blame is yourself.

      1. So. You’re saying people shouldn’t go into service careers? What would you have done without education? We choose our careers based on the love of children and teaching, not to get rich doing nothing.

      2. Frankly, my dear,
        I was so distracted by your inability to write grammatically correct that I didn’t pay much attention to your moronic rhetoric…

        1. You’re distracted because you are on a forum that you should not be a part of and don’t know what you are talking about. We are individuals who are simply venting and hoping to change laws that will benefit others. Please, find a better way to spend your time. I recommend counseling for your negative and angry attitude.

  14. I retired at age 62 from the school district after only working there for 10 years in order to keep my health insurance as I had Cancer a year before retirement. I worked in the private sector for over 25 years. I did not know that the Social Security would penalize me for working in the school district. I receive only $249 from the school district retirement each month and Social Security takes 2/3 Off my Social Security and 2/3 off what I should receive from my husband’s Social Security. Now my husband passed away a week ago, and I am told that I have to give up my Social Security and they will take 2/3 off my husband’s Social Security that I should receive as Widow Benefits. This is so unfair. I would have done better if I had not even worked the 10 years at the school district.This will not be enough for me to even live on. Then the banks have reduced the interest on all the bank accounts; so seniors are really treated awful. How do they expect us to work. I am 72 and my husband and I worked hard all our lives and this is how we are repaid. SO UNFAIR. If anyone wants to unite and fight this, I am the first one to sign up. I live in Texas.

    1. I say fight. I’ve been retired 3 years and have looked forward to the 300.00 a month from my ss, but cut in half because I was a teacher. Not only can I not collect from my 20 year marriage, which I worked to make ends meet, but they also are taking half of my ss. Not my fault I choose a satisfying job with low pay and my state didn’t even contribute to the pension, which they agreed to do when it was set up. Yes, I say we fight for our rights. Integrity counts.

    2. I am with you. My case is very similar to yours. I was just told that i am reduces 2/3 of my Calpers. This is to rally ungir.

  15. My husband worked as a maintainence man for the school district for 13 years. We bought 7 years in the retirement plan so we could qualify to PURCHASE health care after retirement. It is very expensive. They will cut my husbands social security in Colorado 2/3. Instead of $600 it will be $200. With his small retirement he qualifies for welfare, how does this help the state? When calculating the years worked in the private sector they disqualify the entire yearrs if earnings were not “substantial”. They dont penalize others for being working poor people. We struggled when we were young and my husband worked seasonal construction jobs all of his life until he got on with the schools. He made less money per hour but it was a steady income. Looking back, he would have been better off not working for the state. BTW, he isn’t collecting his SS yet, he is 65, if he works for the state ( driving a school bus) to make ends meet, they keep 10% of his wage to put back into the retirement plan for other state workers but he doesn’t get any of it. This, after promising a COLA increase his whole career of 4% now reduced to 0-2% max. No wonder people are fed up. These rules don’t apply to the judges that rule on the changes, they all get to kerp what was promised!

  16. very simple,worked in private sector 20 yrs.then school district 20 63 yrs old, received s.s.statement,shows i should receive 900.00 monthy @ 66 yrs.of age.well it seems now i will receive 450.00 monthly.theres not one politician or attorney alive that can prove that this isnt pure theft.can understand if your a district employee 90 plus percent of your life,you shouldnt rely on s.s.class action lawsuit would be great.they are so ignorant,not to think that this money owed to us will definitely flourish the economy.theres no difference in our form of government and a crooked used car dealer….

  17. i paid into SS for 19 years, taught 10 years , returned to teaching after raiding 3 children, I divorced during my ten years of working, putting two sons through college, my husband paid into SS for 35 years during our marriage, I receive 225. From SS and nothing from spouse. Due to offset and windfall. My pension is small, I am at poverty level, how us tis fair? Gov. Stole from,me , others my age 67 are receiving around 2000. A month, not fair. how can the Gov. Not see this and correct the unfairness?

  18. The Government is run by a collection of imperfect persons.
    Legislation and pre-existing laws aside, each year, new facts and figures are established to confuse, confound, distract and cause the tax payer more heartache.
    In the end even our tax paying returning soldiers who have sacrificed limbs and life and are shuffled and discarded in a hidden secret pile of paperwork with more or less facts and figures, till eventually on televised commercials they are promoted by the real people who care for them only, their families, who ask You and I to send them the money the government is keeping, which their loved one earned while suffering post stress and committing suicide. Some signed their own death warrant for life and the government could not save them, and didn’t want too. The status quo. More are born than die each moment, so what do we do with more population, find them jobs or let them draw stamps and unemployment, burn the crops and pollute the earth and spend that money on more military weapons to mame, kill and destroy what’s left?
    Before we can go to the moon, place more moving space stations and habitat Mars, remember charity should begin at home.
    Rome was burned to the ground by the emperor who blamed the commen Christian, law abiding citizens who wanted to raise family like you and I and serve God instead of a man.
    As long as we pretend to know what we are doing instead of doing what we should do.
    Our Government will self destruct, religion will die because we will refuse to give money that will be taxed and spent by the pedafile pastor who gets transferred so as not to pay for his crimes that even the Vatican chooses to be linient about!
    Let them spend your money on land they can’t afford which will be seized by the government to take down their elaborate temples and churches. Abolishment of such organizations like these will soon end with a government edict or law which we will pay for with our money and blood sweat and tears, a lot like being thrown to the lions by Nero who hung up the very same images they will take down. Christian, Atheist or a Muslim, it will make no difference to a disorganized government, that seeks to kill the harlot on it’s back.
    Look out! A sacrifice must be made.
    The Banks were bailed out by the highest of authorities only to play music by phone, tap dancing emails and kept the money that should have saved your home, that you made improvements on only to watch it become a veritable dessert owned by the bank.
    Each year new medications are designed by pharmaceutical companies who look the other way while your doctor and them play golf and heavily invest your future 401(k)’s cd’s hidden cash and your teenagers college fund!
    If this sounds depressing enough to off yourself or someone else, do not think for one minute which has been downgraded to a second, that an organization that looks like an amoeba or a chameleon cares.
    You are just a way to a means to accomplish what the majority wants.
    My friends, we are all fit to be tied, then be throne to the lions while your King and emperor watches You become a stat!

    1. We in the United States are blessed with all and what little you think you have.
      Be thankful for what God has given to work…support a family….it is so
      sad to place all our hapiness on things and money.
      A,change of attitude and heart will make a big difference.

  19. When I retired I was expecting my full social security. I didn’t even received half, of what I was expected. I have been a full time teacher in different districts and states for 40 years.
    When I was teaching in Arizona, for 10 years, half of my salary went to social security and other part to Arizona teachers retirement, which I had to take out to pay IRS, for an accountants mistake.
    Before teaching I worked many part and full time jobs.
    I feel we are being punished for working and retiring from California, which I only worked 14 years, before retiring.
    This is true robbery of our money that is truly deserved to us.
    I didn’t even get half of my husbands social security, and they told me that I will receive more when he dies. Horrible thought. I only receive $344.
    I think our congress needs to support those who chose to work and not live on the system.
    Those living on the system are training their children to do the same. Not all, and I believe we need to help those who need help, but I have taught generations who stay on the system of welfare.
    Please try to pass legislation to give social security to those who worked for it.
    For people who think we are losing social security, they said this over 80 years ago. I do suggest that Calif. young teacher’s start paying into Social Security as part of their monthly salary, then be told at retirement age that they won’t receive all of what they put in.
    Thank you!

  20. The WEP and the GPO make sense because they eliminate a bonus that would otherwise be paid to those who are double dippers or who, because their average SS earnings over their entire career are low, would receive the disproportionate reimbursement that low wage earners get from Social Security.

    Social Security imposes a flat 6.2% tax (the other 1.45% is for Medicare, a separate issue) on covered earnings to the cap, a wage-indexed number that is currently about $117,000 per year. In return retirees who worked enough quarters to be covered are paid 90% of the first $9,000 in career average earnings, 32% of the next $55,000 in career average earnings, and 15% of the remainder of their career average earnings to the cap.

    Someone who worked a part time job while teaching or who worked in the private sector for just a few years before or after teaching would have unusually low career average covered earnings. That is because Social Security would either compute the average of the lower than usual annual numbers reflecting the part time nature of the employment over the 35-year averaging span or would compute the average of the average of the more highly paid full-time-job years, but with lots of zeros averaged in, reflecting the years in which the person’s public sector employment was not covered, or both. In short, the person would look like a low career wage earner to SSA, and would get the disproportionately large pre-retirement wage replacement percentage that people who have worked in McJobs and who are highly subsidized by other workers get. To put it another way, suppose you worked part time in the private sector and made $10,000 per year on average. If you retired and were able to claim the full SS benefit, you would get (0.9 x $9,000) + (0.32 x ($10,000 – $9,000)) = $8,420 per year, plus any subsequent SS benefit cost of living increases, for the rest of your life, despite having paid only about $620 per year in SS taxes. Contrast that with someone making the cap and paying about $7,250 per year in taxes or more than 11 times what you paid, in order to get the maximum benefit, currently about $32,000 per year, or less than 4 times the benefit you would receive.

    Private pensions often have carve-outs or offsets for Social Security benefits, and people who earned a benefit on their own work record and are entitled to spousal benefits must forfeit one to collect the other, so your benefits aren’t the only ones to be reduced because you earned more than one benefit. The government further reduces the Social Security benefits of those who have enough additional taxable income by taxing more of those benefits, with a disproportionately lower threshold for that income for married couples.

    Pensions are supposed to replace preretirement income to a reasonable extent, so that people are able to pay their living expenses in old age. While many people have reduced expenses at that point due to owning their homes, having fewer household members, etc., and are thus able to afford some extras like the occasional vacation, pensions are not meant to fund a lavish lifestyle, and disproportionate Social Security subsidies are meant for those who worked for low wages for the whole of their careers and who do not have other resources.

    Although some unions like to average in the lower benefits due people who worked for only a few years in the public sector in order to lower their estimate of the average public pension, people who work in the public sector over an entire career often get much more in pensions than someone who spent all of his or her career in the private sector. This is due in part (thanks to unions) to the dearth of really low paid employees in the public sector, meaning that the disproportionate subsidization of one’s fellow workers’ benefits is not necessary, as it does with SS.

    The response to complaints by private sector workers who resent public sector pensions has lately been that everyone should have such generous benefits, but that is simply not feasible, as the general population of the private sector is not homogeneous with respect to earnings or work record.

    The comments from those of you in Illinois are surprising. I know two retired teachers there. One is getting about $75,000 per year in pension benefits, and the other is getting $80,000+. They are already retired, however, and, no, they didn’t teach in the Chicago area, where the cost of living is higher. At the same time, some of those I know who are still teaching, with decades of experience, are getting less than $60,000 per year! Higher payments for pensioners than for experienced workers actually doing the same job, along with the promise of a 3% guaranteed annual pension increase (note that SS benefit increases were zero for two or three recent years), regardless of inflation/deflation, is quite hard to understand. Illinois could probably dig itself out of the deficit bind were it to follow other state with large urban populations in adopting a progressive income tax rate, rather than the flat rate it has now, by the way.

    1. Author clearly does not rely on or live in this system and therefore does not understand and should not write about this topic

    2. I paid in. I am suppose to get 600 a month. I get 208. This have absolutist nth ing to do with what you get. My money doesn’t go to you.nthe system gets it not you. You are stupid if you think you would get more if I get less.

    3. I paid 14% of my modest income every year to my state retirement, and my employer matched it. I also paid into social security during the years that I worked before teaching. My benefits are not windfalls; I earned them by suffering near poverty for many years for long-term benefits.

    4. You do not have one clue what you are talking about. Most of us who worked in non-SS-covered states didn’t get big pensions and aren’t “double dipping.” That is a stupid phrase that doesn’t describe this. “Double dipping” is retiring from one government job, collecting that pension, and then getting rehired in the same or similar job and collecting both. THAT is double dipping, not collecting multiple pensions that were EARNED.

      Yours truly, because I didn’t earn thirty years in “substantial earnings” in SS, will still be shafted 100 to 150 a month in SS because I collect such a giant pension of 300 a month for five years teaching/public employment when I was illegally terminated in Nevada. I cannot make up this theft when I am not in work that pays 21k a year or more being forced to take classified work, which doesn’t pay during the summer months. This WEP is outright theft. I will be lucky if I get 1100 a month TOTAL from both this “huge” pension and SS. I have no spouse’s income to cushion the blow. I will have to work until I die.

    5. i wonder how many hours, i as a n educated college graduate, will have to read this and how many times ill have to read it over and over until i understand it. The wording is so so complex that even a mathemetician would be confused. IF x is y, then z would apply to y but only if g was 80 before y existed, except when y and x were before the z but not too much before . otherwise f kicks in , privded you combine f with the sum of z and y. otherwise you must average y and and f and if you worked for b then fprget it beucase your earnings are proably too high to get a dime! and i have to figure this out in order to keep from vbecoing a homeless widow. And yes my husband served his country. Hes rolling over in his grave right now.

    6. Well, you know two wealthy retired educators. I was principal 13.5 years and a teacher for 16 years my pension is half of the TWO wealthy retired teachers yu know from Illinois! I have to still work just to make ends meet. No vacation at all. Not a lavish life. I go two weeks broke waiting on monthly pension.

  21. Government workers stop your whining. You suckled on the tit of the taxpayer your entire working life. You were paid more than you would have earned in the private sector and you were provided benefits, both health and retirement, that outstripped your private sector peers. Shut the hell up, you’ve been paid more than enough for the dismal service you have provided.

    1. What a ridiculously ignorant and nasty response. Most teachers do not make unfair wages. If you have heard otherwise, you have heard misinformation, lies or grossly unusual exceptions. Or you are just a self important ass. What this is talking about is individuals paying in to a retirement system from which they cannot retrieve their promised benefits. It’s fraud. No one is giving them anything they did not contribute to. You benefit from public taxes every day. I doubt you could handle being a teacher for one day.

    2. Obviously you were not educated! You are a fool who thinks teachers and other public servants got paid a lot. Get real and do some research before you make stupid comments like this one!

    3. Oh my goodness! Where do I start? First, you are telling me that teachers suckled on the tit of the taxpayer? Really? So who the hell is going to teach your kids? By your comments I would say that you don’t have kids. (Thank God for that) Second, I do not get any health benefits paid for. I pay for 100% of mine. This is the most ignorant comment that I have ever read.

    4. Hay butthead!! You must have never worked in a public school have you? Or you would know teachers, cafeteria workers and other support positions don’t get paid very much at all. Why not learn some facts before you sound off?

    5. Dear: are you serious, You really make me furious. I have been angry for so long, and your comment is the last straw. I worked for a bank 11 years. Every paycheck wAS CUT FOR SOCIAL SECURITY. I got $900.00 lump sum when I left the bank Then I became a substitute teacher without any health insurance. For the past 25 years, I have done this stressful job. There was no double dipping. These jobs were done at different times. I am now 66 years old and wanting to retire but with the social security ripoff, I am doomed to live in poverty. My teacher retirement will amount to about $800.00 after taxes and the social security to $350.00 after medicare comes out. This is poverty in today’s economy. I, like many others do not deserve this abuse. We did nothing wrong. We’re living under some other kind of government instead of a democracy.

      1. oh my god. and i thought subbing would be a good deal as a mildife widow to keep me going. apparently it will only keep me going for a while ( whioe im doing it?) and then , it looks like disaster coming at sixty. Im really worried as im an older mom widow with a kid enetering college. I thought subbing over the next decade or so would be a good way to get additional income since weve lost my h uisbands job obviously and his survivor benefit is only three hundred sixty a month and i will lose all social security b enefits next year when my kid is eighteen. yet she will still need a lot of support and we dont get child support or the social security b enefit ( go figure reagan thanks) i wonder if i need to reconsider the wh ole thing and just go work for the private sector thats sad becaue the school is where i feel i have something to offer.

        1. I am shocked at the “educators” and “former educators” responses. It pains me to see the rampant misspellings and poor grammar. As educators we should make sure we correct our typing and spelling errors. Certainly, we expected our students to proofread their work and we should do no less.

    6. Dear: Are you serious, Just wanted to let you know you are wrong. I did not work for the government and receive high wages. I worked in a low paying bank job for 11 years. Every paycheck was deducted for social security. When I left the bank, I received a lump sum of $900.00. Then I became a substitute teacher without benefits I have done without health insurance for years. I am 66 years old and need to retire, but will be forced to live in poverty because of this stupid, unfair and discriminating law. At no time did I double dip..Both of these jobs were separate and worked at different times. My job as a substitute teacher is very stressful and low paying. When I retire the teachers’ retirement will be around $800.00 monthly, and with the social security ripoff, around $350.00 after medicare comes out. I am still working and struggling to pay medicare out of my small salary. In fact, after paying $1260.00 yearly for the medicare, I can’t afford to go to a doctor, I have to neglect my health. So, take a hard look at what you have said. I,like many others did nothing wrong. We are being frauded by our government. It seems to me that we are living under a communist government instead of the free country we are supposed to be in.

  22. Reality: The government is the 1,000 pound gorilla that can sleep anywhere in the jungle it wants to. And it does not matter one whit what we think about them or what we say to them. That will not get the government’s attention. They could care less.

    What really matters is what we DO. WHAT WE DO is the only thing that matters. If someone were to file a class-action lawsuit against the SS department, demanding that they pay us back the money they have stolen from us in the past, and that they give us our full pensions in the future, then that would get their attention.

    You don’t send a letter of complaint to a white collar robber. No. You file a lawsuit and then prepare for a long, drawn-out fight. With any luck, those of us who are still in our 60s might see that money before we die!

  23. I can’t believe that anyone would give any of these comments a thumbs down! I am a retired public employee from California, now living in Florida. I worked primarily in restaurants while going to school and raising 3 children by myself. I remarried and worked 5 more years in a bank before my husband and I both started working for a sewer district that had voted to no longer pay into ss years before when they joined Calpers. At the time there was no windfall or offset. My husband died at 51 from Lou Gehrig disease . He paid in for 25 years before beaming a public servant. I remarried a few years later to a Ca state worker and they do pay into social security. Now I retire this month and find out I get 206 a month from social security. Even though my husbands both paid in for years and my own would have been 600! What a scam! I receive 2000 from Calpers before taxes. Hardly a frigging “windfall”!

  24. Iam a teacher who did not teach for very long due to a back condition; I am not receiving a lot for my retirement disability and cannot count on the social security I earned prior to teaching…I understand, sadly, that the legslation to change this very, very unfair law has been in a Congressional committee for years and years and that nothing has changed? I wished our Unions could march on Washington, or someone would arrange a Million Teacher/Firefigter/Poplice walk on Washington, DC….even my poor son, a fire fighter, worked many years before this, and he loses most of it as well….NO FAIR….let’s do something now!!!

    1. January 2, 2008

      Excerpts from letter sent to my Congressman:

      In May of 2003 I wrote you with a hypothetical situation that could have impacted my husband and my social security. You and I have discussed the issue further at numerous town hall meetings and in your Washington office.

      Although you have remained adamantly opposed to lifting the GPO and WEP offsets while many of your Democrat and Republican colleagues have cosigned HB 82, the impact on my life has become starkly real. I regret that having called your office and shared the devastating news that my husband had died. The depth of my sorrow has been almost too much to bear. My husband had also become my colleague as he had begun the new teaching year. After the burial which took place in Florida and the memorial here, I began to focus on the financial impact that will accompany my devastated emotional state.

      This is the result of my calls and visit to the social security office. He worked as a public school teacher and principal in New York State. He also worked as a manager of a private investigation company. All total he had twenty-six years PAID into the system. Those years have nothing to do with his dedication to children in Texas and his twelve plus years serving our state. When we visited the local office a few months ago he was informed that he could at least receive $674 a month social security because he was 62 but he chose not to take it because there was an earnings limit to collect and he would have had to sacrifice teaching. In my visit on December 21 this is what I learned-the real story of a real person, my husband.

      1. He paid $31,572 into social security.
      2. His employers paid $31,704 into social security
      3. He paid $14,750 into Medicare
      4. His employers paid $14,774 into Medicare
      5. Total contribution: $92,800.
      6. How much will I receive per month? NOTHING.
      7. I received a $255 payment to bury my husband-an insulting amount.

      You are absolutely correct when you speak of a “windfall” and that someone receives “something for nothing”. The answer to both of those phrases is the FEDERAL GOVERNMENT. There is not a cost to the government, but a cost to my family-to me. A contract was made between the government and my husband and that contract was broken. When he earned his social security, no one told him don’t move to Texas, it will be impacted if you become a public employee.

      Think again about your opposition to the Social Security Fairness legislation.

      Sincerely and remaining your friend,

      Joyce Roberta Miller-Alper “JR”

      1. JR – I appreciate that you posted NUMBERS in your remarks. Those numbers speak for themselves. All tolled, your hubby paid almost $63K into Social Security, and now that he’s dead at age 51, you get NOTHING from SS. The numbers do not lie. The federal government has picked your pocket. Plain and simple.

        Hey – welcome to the club. And I LOVE the idea of a million of us marching on Washington DC.

        1. Mary, when can we march on Washington D.C? If you can organize some people to do this, please let me know. It is high time we stand up for our rights. We also need to file a class action suit against the government for making such a discriminating law. If we could find a lawyer and draw up a contract to pay him around $300.00 each (providing we could get enough people to join in) this might get their attention. Whether we win it or not, this would draw the attention we need to show people the abuse we are suffering.

        2. sign me up for the march. im a midlife widow just finding out all this horrible stuff. and oh god my hujsband made the mistake of serving his country for twenty years. i hope civilian military is excempt from the windfall thing but i better find out. should i quit the public sector now?

  25. I accepted a teaching position and moved to Georgia in 2005. Our school system is a non-Social Security district. I paid into the Social Security for 25 years (that meet the taxable income level) while living in North Carolina but because I now teach in Georgia, my Social Security will be penalized 40% because of the WEP unless I can pay into Social Security 5 more years–At 30 years, the Social Security WEP is reduced to a 10% penalty. Unfortunately, at 58 that means that I have to either give up my current teaching position which I absolutely love or get a 2nd job that will pay me at least $25,500 a year of taxable income for 2014. When I retire as I plan to do here in Georgia, I will only have about 15 years of teacher retirement income which will average about 25% of my current salary. Without the Social Security WEP, I would be able to retire with about 50% of my income–But with the 40% WEP penalty, I will be collecting substantially less. I don’t understand why I’m being penalized for the 25 years that I paid into the Social Security system. I hope that the pending legislation to abolish the WEP is successful.

  26. I was a “low-wage”, PERS part-time employee with 6 years total in the system.

    I was also a long-term(45 years minus 2 years of full-time PERS), low wage earner in the SS system. I began working at the age of 15(after fracturing my back the first time), and worked for over 40 years through another back fracture(1971).

    I actually earned a lot more in the SS system than the PERS system, both on a yearly average and in total … a LOT MORE.

    But I worked in a field that suffered greatly from recessions in the mid 70’s, a big recession in the 80’s and another in the 90’s … along with other “mini” recessions, fractured back(twice), and other health problems that began in about 2005 which kept me from working full-time and eventually actually kept me from working completely in 2011(having worked the past 5 years and “aggravating”, the latest problems that kept me from working full time).

    I actually had to retire because I had no money, along with heart problems, fractured back, neuropothy(sp), sciatica, and broken bones in my foot.

    SO … I retired, both, from PERS and SS and get a whopping $650 or so from SS and $162 from PERS …

    Okay … now comes the WEP. That provision that guarantees that I didn’t work full time PERS and still receive the benefit of being a long-term low wage SS worker(which often would mean summer … 3 months earnings each summer) … holy cow…

    SO … the SS now decides that they need to recover about $70 per month as a punishment tome, for working in two systems.

    Somehow, this doesn’t seem quite fair, in general, but I feel, especially so in the case of a person in my situation.

  27. I am not a teacher but I am the spouse of one. I have worked for 35 years in the private sector and have paid social security taxes for that entire period. It is a travesty to think that if I passed away my wife would not be eligible for my survivor benefits. This is simply unconscionable and needs to be rectified.

    1. I am just so angry about this…why do only 15 states have this problem…and this is about my mother…She worked enough quarters to qualify for SS benefits but eventually went to the school system as a secretary for 23 years…she retired and was “cheated” out of her total social security benefit because of this Ohio law…We all accepted that…BUT…what is COMPLETELY unfair is that now that my dad has passed away…she receives NOTHING as a widow’s benefit…again, because she gets a pension from SERS. WHAT does that have to do with being a widow of a Social Security recipient? Some women receive SS as a widow and they never worked a day in their lives! Why should my mom be penalized because she worked???? I am making it my life’s work to get this law changed…It makes no sense to me…I agree…If someone would file law suits..maybe the legislation would move forward. How can the lawmakers of these states sleep at night. I say they should all be worried that they won’t be reelected because I intend to spread the word far and wide. Today, my education begins. I promise mom, I will fight for you.

      1. Whether you think the WEP is fair or not, and I do not. Penalizing teachers in 15 states but not the other 35, is not fair. I will happily volunteer time to help this cause. Please let me know if anything is being done so I can support .

  28. On July 17, 2013 I posted a comment about my appeals against the offset laws mistake that Social Security made in my benefits. Since then I’ve published my book, and have a live web site. My address has to be entered in ones address bar, not a search engine. I’ve also researched the SSA practice of improper payments, and feel that not only are the offset laws unfair, they are costly. It would actually cost less to pay all of us the money they are presently taking out of our benefits than they are spending trying to retrieve the over-payments. 42% of all mistakes made by the SSA are in connection with the WEP. Check out my web-site under Comments. I have emailed my congressman, Senator Michael Bennet. He helped me in my appeals recently.

  29. A website address is in the process of being set up. I have a little different story to tell which I’ve just published in a book “Grappling With Government Abuse:My Social Security Nightmare.” I was overpaid by Social Security for eleven years. When SSA realized their mistake (unknown to me), they wanted all $16,000 back! I appealed it four times over eight years. I’m now 87 years old, and am receiving $571 a month less than I should be due to the WEP and GPO.

  30. I taught in public schools for 32 years. I worked summers, evenings, and weekends, and had various other jobs that deducted for social security. I never took a vacation, never had a new car, invested my savings in the stock market, thought I was being wise. It was my bag lady prevention plan. I have been retired for 6 years, I am receiving .85% on the remainder of my savings, and with inflation and 66% reduction in what I thought I was going to receive from social security it looks like I may end up a bag lady after all my efforts. If the GPO/WEP act was repealed I might be saved from bag lady status. I have been calling and writing congress people for the past 20 years concerning this unfair situation. I have no hope that this will be resolved in my lifetime.

  31. It is time to get rid of WEP. I started teaching because I had my quarters in for collecting Social Security. I thought that I would be getting that money when I retired. I recently found out that because of WEP that I am losing 50% approximately of what I had earned before I ever became a teacher. I am not going to teach right now as I am researching my options. Social Security has no clue. When I asked them questions they had no answers because they had not really dealt with people who would have to lose money because of WEP. I was told to talk to someone in my state. When I did try that I was told to talk to the main SS headquarters. No one has an answer except that I am losing 50% of what I have paid into the system. They also can’t explain what happens when one is on a defined contribution plan. This means that what is paid into the plan is 100% dependent on the stock market. I could end up with thousands or nothing. When I asked what would have happened if I didn’t work for those last 7 years in the teaching field and how would that effect my SS, I was told there would be no penalty and I would get all monies entitled to me. I understand that if you don’t pay into a plan you don’t get anything back out of it. The problem is when you paid into a plan for 20 years, then are told you are only going to get 50% of it because you decided to become a teacher and help educate children to become productive and contribute to the society they live in. I am not asking for more than I deserve just what I have worked hard for and earned fairly. Get rid of WEP before we end up without any public service employees. Go Mark and fight for us. Everyone needs a hero.

  32. My 200-word letter to the editor was published in the Medford Mail Tribune last week:

    Dear Editor,
    With some sadness, I picked up a new voter registration form. I’m changing my party affiliation.

    Both major political parties are held hostage by those whose twisted brand of financial speculation collapsed the world economy. The economic security my parents’ generation enjoyed has been out-sourced. Cash equals influence and cash-rich like Pete Peterson have unbalanced the political process which requires politicians to dial for dollars while promoting “austerity” for those who have the least.

    Austerity. Sequester. Sensible cuts. Who comes up with this stuff? ” Think that works? Spain now has 27% unemployment.

    Rep. Walden stated politicians were balancing the budget “on the backs of seniors.” According to Robert Reich, annual median income of people over 65 is $20,000. The average SSI benefit is less than $15,000. The cash-rich demand cuts to SSI COLA even though by law it can’t contribute to the deficit.

    COLA is under attack in Oregon. The state broke a contract with PERS retirees to siphon retirement funds. A good source for this is Retirement Heist by Ellen Schultz. When contract is broken, the sharks start circling.

    I think we average folks need to stop cooperating with our own economic demise and stop swimming with the fishes.

  33. I believe that the WEP and GPO are extremely unfair to teachers. Why should they be penalized for being teachers. My husband died at age 67 and I am unable to collect a penny of the money he paid into social security.

    1. It’s entirely fair What you all don’t seem to grasp is that the rest of us two income households don’t get to keep two social security checks when one of us dies. Why should you get special treatment. My husband and I have each worked in SS covered jobs for nearly 40 years, making roughly the same wages. When one of us dies, so does one social security check. Why do government workers think they are entitled to both? Yes your husband paid into SS, just like mine did. I don’t get his check when he dies, I only continue receiving mine, from my own work history. ONE check, not two. So again, tell me why you think you’re entitled but the rest of us non-government workers are not?

      Furthermore, SS is highly skewed to low income workers who receive back 90% of their pre-retirement wages in SS each year. Middle income people receive about 40%, and higher income people making around 110k a year, get back about 25% of their pre-retirement pay, and generally get back far far less than what they paid in. Low income people receive back huge benefits relative to what they paid in. The problem is when Government workers who worked in non-SS covered employment for many years want to be treated to the 90% back formula, rather than the 25% they should be getting. Hence the windfall penalty. I’m all for giving Government retires the higher benefit if their pension and SS together equal less than what they would have received in SS alone for their ENTIRE wage history COMBINING SS and Non-SS earnings, but that’s it.

      1. @Lorena…Sorry you’re mostly wrong. When a spouse dies the the survivor will receive the SS check which is the highest of the two.

        1. Hi Greg,
          Will you please refer me to the info that says I can receive my husband’s social security benefit payment? I taught school for 25 years, then earned my own benefits from part-time jobs. I was told that I can receive none of his benefits.

      2. You are very confused. None gets to keep both checks. You should have someone explain it to you before you make comments. It is a very confusing issue.

      3. You are misstating the problem. The fact that you get a check and your husband gets a check is not the same as an employee who has worked for, and contributed to, both SSA jobs and other retirement system jobs. A hefty amount is taken from one’s salary each month for EACH retirement system. It is only fair that annuity be based on contributions from both retirement systems, and not be penalized and called an “advantage” (windfall). The reason we have the WEP is that Ronald Reagan called federal employees “lazy” and placed into law the WEP, cutting earned benefits of Social Security; the GPO further erodes one’s retirement by cutting the federal portion of one’s earned benefits that reflect his CONTRIBUTIONS. Both the WEP and GPO send money back to the government that should rightly come to the worker.

  34. Teachers need to support these Bills. Sadly, the GPO/WEP Ooffsets are one of the best kept secrets in DC, and it is affecting, I believe, teachers in 13 states. When I have spoken to legislators, they can’t believe this is happening to teachers, police, and firefighters.Many have no knowledge or understanding of the SS Offsets. Educate youself about the Offsets, THEN, lobby your US legislators.

  35. I retired from teaching middle school after 30 years in Illinois. My husband died in 1998 after paying into to social security for his entire life and receiving nothing. The small amount of money I received from my social security after the offsets doesn’t cover Medicare. Now the pension in Illinois is in shambles. This is a hard place for many of us to find ourselves after long dedicated careers to the students of this state. I was absolutely amazed to find that several legislators had figured this out!!!!! This is such an unfair practice. Just because I happened to work in the public sector and paid into my plan and had the sad and unfortunate experience of my husband dying, I don’t get his benefits?

    1. Yes, my story is the same. My husband passed in 1999 at age 51. I will retire in two years and the finances in Illinois are difficult to even try to explain….they are simply beyond belief. They stole our TRS money and now BLAME US. …not to mention the losses because of GPO WEP

  36. I am disgusted that hard working teachers are discriminated against with WEP and GPO! I worked for 20 years in the private sector until I was finally in a financial position to afford finishing my college degree and credential program to become a teacher. I started teaching late in life and will not be able to accrue 30 years or so towards my retirement. My education retirement, therefore, will not meet my retirement needs. Had I known when I decided to dedicate myself to the future of children (teaching in a high poverty school district with a lower pay scale despite the fact that I live in an affluent community) I would probably not have made the same decision. I now have to worry about my own future as I may become a burden to my children.

    I have paid into the mandatory Social Security system in my private sector positions, and I should therefore be paid benefits as any other citizen who draws on Social Security, based on my years of private service and pay rate.

    As this discriminatory policy becomes more well known to those considering public employment, our country may lose the talents of those who worked hard, paid for their own education, and bring experience, knowledge, and a good heart to serve the public.

    I will certainly never encourage my peers or others considering changing professions to consider public employment, and will tell them of the personal pitfalls they will encounter.

  37. This has been a travesty for many years. Besides not being paid an adequate salary for the jobs we do (teachers, policemen, & firemen), many public workers must supplement their salary by taking on part-time jobs (like cheerleading sponsor, a coach for a particular sport, or working as a clerk, etc. on week-ends and on vacations). I strongly resent government officials who “double dip” and retire on a “golden parachute” yet deny public service personnel who retire these benefits that they have worked for and earned. I live in Kentucky, one of the “unlucky” 13 states that suffer under the GPO and the WEP. I am a retired teacher and my husband works at a USEC uranium enrichment plant ( 38 years). If he dies before me his survivor’s benefits WILL NOT come to me as his designated beneficiary. They will go to some illegal alien or someone who HAS NOT WORKED and paid into the system. If I die before him the question is irrelevant!!!!! I DO NOT WANT TO BE PART OF THE SOCIAL SECURITY SYSTEM!!.

  38. I worked in one of the 15 states for a few years, retired, and now am teaching in a SS withholding state. I feel that I cannot retire at all until I am pushing 70. Last week one of our teachers (younger than me at 63) died. It gives pause to think that you might die while working and never see any retirement at all! With the stress dumped on teachers these days it is not out of the question! I hope they will see the light and eliminate the WEP/GPO now!

  39. Not only have I worked in education for 35 years and paid into TRS, but I also have over my forty quarters for social security from another job. I am told I will not get my social security that was taken out of every check. I can almost deal with that-although it is totally not fair. BUT, my state is now voting on cutting my pension,that I so totally deserve, -paid into- and that they are stealing from me. The legislature even states that they blundered and didn’t pay into the pension fund and they are making the people that did pay in suffer! This is totally not fair And there is not a darn thing I can do about it! What are these elected people thinking? It is not like I am making millions. Plus, I have to pay full price for health care for myself and my family- no deals there! What am I then to live on?

  40. Social Security has been a cash cow for the legislature for years. Now it’s catching up to them and instead of paying back what is owed, they continue to reduce benefits. My husband worked for 26 years (plus high school jobs) and died at age 44. Our son received benefits for 10 months until he aged out, I received the $255 death benefit, I’ll get a little bit (because I’ll still be working full time) from age 60 until I receive my own. He contributed a lot more than his family will ever see.

    1. same for me. I plan to retire in two years (husband passed 14 years ago) and now Illinois is cutting my TRS. Where will this end?

  41. Here is another scenario. I started teaching in 1967, taught 7 years, drew out my TRS contributions thinking I would not teach again, and proceeded to work 21 years in the private sector and Parochial education which of course deducted Social Security monies. I had a total of 26 creditable years in Social Security and 10 years in Illinois TRS. My TRS pension is quite small and I have been penalized almost $400 a month from a small Social Security benefit I am also receiving. Also my wife, who died 8 years ago, obviously had her benefit forfeited to the government. Sure could use an extra $400 a month which I feel I am entitled to. I know someone who in receiving retirement from the National Guard, a pension from a local factory which was closed, a state pension from a local facility and also social security. Boy did I screw up.

  42. I too was an Educator for nearly 30 years, and also worked for 17 years in a variety of jobs. I am a widow with 2 adult disabled children who depend on me to keep things going. Instead of the “wonder years” of retirement, it has become a combo of the “Survivor and Amazing Race “series. It is patently UNFAIR for some government officials to double dip & retire on a “golden parachute”, yet deny public service retirees benefits that we worked for and earned.

  43. The Social Security Administration makes claims that the public worker who has spent or will spend some of their work life in the private sector will, upon retirement, receive a “dual entitlement”. However, the effects of the Social Security Offsets put some people into poverty upon retirement.

  44. you go, mark. it’s about damned time this unfair practice was eliminated. i, for one, want the money that my employers and i paid into the plan!!!

    1. I don’t agree with you that this message has gotten out. I think teachers are definitely not informed and have no idea this is happening. I also think teachers are driven out. I worked in a school on Albuquerque where a nut job principal came in a decimated the building and it seemed to be pretty much older folks. This type of thing is not an isolated incident. But I don’t think teachers are aware. I spent five-years and only got MY CONTRIBUTIONS returned…. No building for retirement….. And a 0 for those years for SS. And lol…. People think teachers are overpaid, I paid for a BSE, MA, cert in Special Ed…. My return on that investment sucked and I was told I wasn’t as worthy because I wasn’t in loan forgiveness….. Because I earned the money and paid…. There are so many issues so wrong with education and anyone who is able to stay in and get that retirement…. Deserves it!!!!

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