If you work for an employer who doesn't withhold Social Security taxes from your salary, any retirement or disability pension you get from that work can reduce your Social Security benefits.
If you have a covered pension (meaning you paid Social
If you have a covered pension (meaning you paid Social Security taxes on the wages you earned from the employer), the SSA will not reduce your Social Security benefits.
There are two different kinds of pensions: covered and noncovered.
A covered pension is a pension based on employment that withheld Social Security taxes from your wages. A noncovered pension is based on employment that did not withhold Social Security taxes from your wages. These employers are typically state and local governments or non-U.S. employers.
If you have a covered pension (meaning you paid Social Security taxes on the wages you earned from the employer), the SSA will not reduce your Social Security benefits.
Your Social Security income can be affected if you receive a pension from work not covered by Social Security. This is primarily due to two rules:
Windfall Elimination Provision (WEP): The WEP can reduce your Social Security retirement or disability benefits if you receive a pension from an employer who did not withhold Social Security taxes from your salary, such as a government agency or an employer in another country. The WEP affects how your Social Security benefit is calculated, potentially resulting in a lower benefit amount. The formula used to calculate Social Security benefits is modified, reducing the percentage of your average indexed monthly earnings (AIME) that is converted into your benefit.
Government Pension Offset (GPO): The GPO affects your Social Security spousal or survivor benefits if you receive a pension from a federal, state, or local government based on work where you did not pay Social Security taxes. If you're entitled to Social Security benefits as a spouse or widow/widower but also receive a government pension, the GPO may reduce your Social Security benefits by two-thirds of your government pension. In some cases, this can completely eliminate your Social Security spousal or survivor benefit.
If you work for an employer who doesn't withhold Social Security taxes from your salary, any retirement or disability pension you get from that work can reduce your Social Security benefits.
如果你交pension fee也交社保税，拿pension不影响拿社保税。
If you have a covered pension (meaning you paid Social Security taxes on the wages you earned from the employer), the SSA will not reduce your Social Security benefits.
There are two different kinds of pensions: covered and noncovered.
A covered pension is a pension based on employment that withheld Social Security taxes from your wages. A noncovered pension is based on employment that did not withhold Social Security taxes from your wages. These employers are typically state and local governments or non-U.S. employers.If you have a covered pension (meaning you paid Social Security taxes on the wages you earned from the employer), the SSA will not reduce your Social Security benefits.
我们现在还没存过529，都是靠工资付的。希望可以给第三代存一点
但你这个应该more than enough的。 如果留给孩子，我觉得你的pension回到12万左右，加六万的SSI， 加401，真的不少。 取一分pension还是两份 is very critical too
也问一下，
我LD有pension，他自己没有交过SS tax，他就eligible拿我的SSI的一半？
Your Social Security income can be affected if you receive a pension from work not covered by Social Security. This is primarily due to two rules:
Windfall Elimination Provision (WEP): The WEP can reduce your Social Security retirement or disability benefits if you receive a pension from an employer who did not withhold Social Security taxes from your salary, such as a government agency or an employer in another country. The WEP affects how your Social Security benefit is calculated, potentially resulting in a lower benefit amount. The formula used to calculate Social Security benefits is modified, reducing the percentage of your average indexed monthly earnings (AIME) that is converted into your benefit.
Government Pension Offset (GPO): The GPO affects your Social Security spousal or survivor benefits if you receive a pension from a federal, state, or local government based on work where you did not pay Social Security taxes. If you're entitled to Social Security benefits as a spouse or widow/widower but also receive a government pension, the GPO may reduce your Social Security benefits by two-thirds of your government pension. In some cases, this can completely eliminate your Social Security spousal or survivor benefit.