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Spouse's Pension From State Retirement Plan
(Posted July 22, 2004)
Question 489: I am employed by a county school district in Nevada, where I pay into a retirement plan run by the state of Nevada. Will I receive my own retirement benefit plus a Spouse Benefit from Railroad Retirement? My husband will retire soon after 42 years working for the railroad.
Answer: If your government job is not covered by Social Security, you will be subject to the "Government Pension Offset." Under that law, the Tier 1 benefit of your Railroad Retirement Spouse Benefit will be reduced by 2/3 of the amount of your Nevada pension. There will be no reduction in your Tier 2 benefit.
More information about the Government Pension Offset can be found at http://waysandmeans.house.gov/hearings.asp?formmode=detail&hearing=164 -- that's a page containing testimony presented about the law on July 20, 2004 to a U.S. House of Representatives subcommittee.
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