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Spouse's State Employment Not Covered By Social Security -- Will It Affect Spouse Annuity?
(Posted September 19, 2012)
Question 903: My husband will retire from the railroad with 30 years at age 60. I will retire from state government. Because I never have paid into Social Security, will I receive a Spouse annuity without a reduction?
Answer: Because your state employment was not covered by Social Security, Tier 1 of your Spouse Annuity will be reduced by 2/3 of your monthly State pension.
This reduction is called the 'Public Pension offset."
It is intended to put public pension retirees in the same position as people who have Social Security coverage.
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