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Old 03-12-2013, 05:35 AM
 
Location: So Ca
10,099 posts, read 10,305,806 times
Reputation: 7701

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Quote:
Originally Posted by lobo View Post
In my state we pay into SS and we pay into an ERB retirement fund. I have never heard anyone who is retired say that their SS benefits were reduced because they receive a pension.
In CA, teachers and administrators don't pay into Social Security so they receive none. And if they entered this field in mid-life, depending on the number of years in that field, their SS can be reduced to zero. I didn't realize how different each state is in regard to this.
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Old 03-12-2013, 06:39 AM
 
18,857 posts, read 26,887,973 times
Reputation: 25658
I think the OP teaches in Las Vegas, CCSD does not pay into Social Security. It is a pension system funded separately. Subject to WEP, Social Security Publications.

The rip off is really for teachers who teach there for only a few years, and leave. Those earnings never received social security, and the person did not stay long enough for a pension.
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Old 03-12-2013, 10:58 AM
 
Location: Great State of Texas
86,106 posts, read 61,480,409 times
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When I retired and decided to get certified, I did a lot of research into that because I knew some government jobs paid differently. I held off until I had my 30 years of SS earnings so that any teaching job I may take doesn't impact my SS payments.
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Old 03-12-2013, 01:46 PM
 
3,475 posts, read 3,730,710 times
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Quote:
Originally Posted by HappyTexan View Post
When I retired and decided to get certified, I did a lot of research into that because I knew some government jobs paid differently. I held off until I had my 30 years of SS earnings so that any teaching job I may take doesn't impact my SS payments.
Is it 30 years period?

It actually says,

"You have 30 or more years of substantial earnings under Social Security."

The word, substantial, has me worried since it is not clearly defined.

http://www.ssa.gov/pubs/10045.pdf



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Old 03-12-2013, 01:52 PM
 
Location: St Louis, MO
4,486 posts, read 3,845,932 times
Reputation: 2914
There is a table of substantial earnings. Found one listing of it here:
Substantial Earnings With Regard to WEP – Getting Your Financial Ducks In A Row
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Old 03-12-2013, 01:53 PM
 
Location: Mid South Central TX
3,053 posts, read 6,530,250 times
Reputation: 1915
Quote:
Originally Posted by Everdeen View Post

The word, substantial, has me worried since it is not clearly defined.

http://www.ssa.gov/pubs/10045.pdf



But it is defined in IRS Pub 10045. For example, for 2012, it's $20,475.
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Old 03-12-2013, 02:26 PM
 
Location: St Louis, MO
4,486 posts, read 3,845,932 times
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Quote:
Originally Posted by pobre View Post
But it is defined in IRS Pub 10045. For example, for 2012, it's $20,475.
Oh yeah, there is the table right there. Missed it at the bottom of the page
That looks pretty clear to me. If you are worried about not having a clear definition for future years, well, that is an intentional problem built into the law.
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Old 03-12-2013, 04:21 PM
 
Location: Great State of Texas
86,106 posts, read 61,480,409 times
Reputation: 27370
Each year is different. Your annual SS statement has all your years of earnings.

So just compare your earnings each year to that in the SS table.
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Old 03-12-2013, 05:06 PM
 
3,475 posts, read 3,730,710 times
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I feel like a bit of an idiot. I was in such hurry to post my question, I didn't even see the chart at the bottom of the link I posted.

I looked at it really quick, but I will look at it better later. I will probably come back with more questions later.
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Old 03-13-2013, 07:45 AM
 
Location: St Louis, MO
4,486 posts, read 3,845,932 times
Reputation: 2914
Quote:
Originally Posted by Everdeen View Post
I feel like a bit of an idiot. I was in such hurry to post my question, I didn't even see the chart at the bottom of the link I posted.

I looked at it really quick, but I will look at it better later. I will probably come back with more questions later.
As I mentioned above, I missed the exact same chart too, even though I knew it existed!
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