Here’s the short answer: Teachers who don’t pay into Social Security (typically because they’re covered by a state pension like CalSTRS or TRS) may be eligible for spousal benefits — but those benefits are often reduced or eliminated due to a rule called the Government Pension Offset (GPO). 🧾 What is the GPO? If a teacher receives a government pension from work not covered by Social Security, the GPO reduces any Social Security spousal or survivor benefits by two-thirds of the teacher’s pension amount. Example: If a teacher’s pension is $3,000/month, the GPO would subtract $2,000 from any spousal benefit. If the spousal benefit is less than that, it could be reduced to zero. ⚖️ What’s changed recently? In January 2025, the Social Security Fairness Act was signed into law, which repeals the GPO and WEP (Windfall Elimination Provision). This means that starting with benefits payable for January 2024, affected teachers may now receive full spousal benefits, including up to 50% of their spouse’s Social Security if eligible. However, implementation is gradual and complex. SSA is still updating records and systems, and some teachers may need to reapply or verify eligibility.
Approximately 72% of state and local public employees pay Social Security taxes and will not see a change in their benefits.
cost变高？啥意思啊？要两正经有工作的人要啥福利啊？
退休了啊。不是工作的。都快70岁的老人了。能领5k为啥只领3k？我不懂了。应该是医疗保险啥的会有不同吧？
我也是被逗了。发来看看华人上的卧龙凤雏们有啥解释。
可以拿配偶的一半。
每个人都能拿（1）自己的，或者（2）配偶的一半。但是只能二选一，不能双份。
这是一方死了之后才可以这么做的吧？
大概是算计两个人加起来 ss 超过了福利线，拿不到Medicaid 诸如此类的福利，自己的支出cost 大了
一般W2+401K的想都不用想这个，低收入的/现金打工者需要琢磨这个
老师还可以上班的时候不交ss？美国老师很多的啊，那岂不是很多人都可以不交ss了？怪不得不够钱发了
猜测活着也可以，以前看人讨论过，大约是对家主内的价值肯定。
没研究官网，只是猜测
这个应该你是行家。我记得你说搞出租房，肯定有人用ss当收入申请住房的吧？
没有。ssn那点钱在南加本地很难活下去，还不如不拿，政府全包，可惜没发捐赠还给政府：政府也是精算师
不交的没得拿，净效应为零。
前面不是说还可以拿配偶的一半呢吗？
Here’s the short answer: Teachers who don’t pay into Social Security (typically because they’re covered by a state pension like CalSTRS or TRS) may be eligible for spousal benefits — but those benefits are often reduced or eliminated due to a rule called the Government Pension Offset (GPO). 🧾 What is the GPO? If a teacher receives a government pension from work not covered by Social Security, the GPO reduces any Social Security spousal or survivor benefits by two-thirds of the teacher’s pension amount. Example: If a teacher’s pension is $3,000/month, the GPO would subtract $2,000 from any spousal benefit. If the spousal benefit is less than that, it could be reduced to zero. ⚖️ What’s changed recently? In January 2025, the Social Security Fairness Act was signed into law, which repeals the GPO and WEP (Windfall Elimination Provision). This means that starting with benefits payable for January 2024, affected teachers may now receive full spousal benefits, including up to 50% of their spouse’s Social Security if eligible. However, implementation is gradual and complex. SSA is still updating records and systems, and some teachers may need to reapply or verify eligibility.
Approximately 72% of state and local public employees pay Social Security taxes and will not see a change in their benefits.
可以选择不领的