Government Pension Offset's Effect On Your Retirement

In this video, we discuss the Government Pension Offset (GPO) and how it can affect your retirement, social security, and Medicare. It affects workers who are entitled to a pension based on work in a Federal, State, or local government that was not covered by Social Security.

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The Medicare Family has been making Medicare and Social Security easy for 40+ years, across all 50 states. And each year, our family continues to help more and more people with how Medicare works, when to take Social Security, and how to find the best Medicare plans. We know that learning about your retirement benefits can be confusing. And it’s hard to find a trusted source of information. We get it! That’s the reason we do what we do.

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[TheMedicareFamily]

Let me know what you think about the video in the comments below!

[mariababcock]

The way I understand it from SS info, is the 2/3 is reduced from the state pension, (TRS here in TX) NOT from your spousal benefit from SS. So my SS spousal benefit minus 2/3 of my TRS benefit equals my SS monthly benefit. Is that correct?

[ryanclark]

how long do you have to appeal the decision?

[mauraoshea-johnson]

Massachusetts sad for as a teachers assistant …low wage earner … I’ll be under the poverty line 😕

[hollyfields]

Where would I be able to go to share this information? My cousin is a teacher in Texas and she needs to know about this!

[carolbrisentine]

Is Indiana one of them..? Thank you!!
My husband was a fire fighter.. retired. When he retired at 67. They said”SS cut his SS by 40% !!! Said Robert didn’t deserve that plus his pension from FF”. He worked 2 jobs for 35 years.. and they took it away from him!! We were escorted out of SS building in Bloomington Ind.
My husband ask where the rest of his SS money was going!! They told him not too worry about it!! He was HOT!! So be prepared!!
Thank you

[mamashiraz]

I’m 56 and on SSDI. I have a 12 yr old son with disabilities (his SSI stopped and he’s now getting dependent benefits under me). I’m technically still married and he’s 57 and working but in declining health. Also, I’m have a federal govt pension waiting in the wings.

What are my possible scenarios? If my husband dies (we’re married over 10 yrs), will only my son get benefits? When I can collect my pension, will I no longer get SSDI? I have these questions and more but don’t have anyone to ask. TY🙂

[johncrouch]

2/3 of school systems in Georgia don’t pay into social security

[jennifermorrison]

If the spousal benefits are not enough is there somewhere a teacher (or anyone for that matter) could go for extra retirement help?

[hilarymcvay]

BUT there is a GPO exemption. And you can get it working in Texas. You have to work at least the last 60 months of your career putting into both TRS and SS. There are schools and universities that do this in Texas!

[jackiebyrd]

This is way too confusing to figure this out by yourself. Take the free help.