By Internal Revenue Service
Q: Why doesn’t my estimate using the Retirement Estimator take into account my work as a teacher? I’ve worked for 20 years for the state and thought it would count.
A: If you work for a state or local government agency – including a school system, college or university – your earnings may not be covered by Social Security. If you are covered only by your state or local pension plan and you don’t pay Social Security taxes, your earnings won’t be shown on your Social Security record. (Your record will show your Medicare wages if you pay into that program.)
For information on how your pension from noncovered state or local employment may affect the amount of your Social Security benefit, you can visit www.socialsecurity.gov/retire2/wep-chart.htm.
Q: I have never worked but my spouse has. What will my benefits be?
A: As a spouse, you may be entitled to one-half of a retired worker’s benefit amount when you reach full retirement age. If you want to get a Social Security retirement benefit as early as age 62, the amount of your benefit is reduced. The amount of reduction depends on when you will reach full retirement age.
This column was prepared by the Social Security Administration. For fast answers to specific Social Security questions, contact Social Security at (800) 772-1213.