Help !!!which benefit do I file for Teacher retirement or surviving spouse social secuirty benefit?
Hello My name is Stacie Daigle I work for the a public school in Louisiana as a food service worker for about three years now. My husband passed away in 2014 and my survivors benefit at or before retirement age will be significantly larger than what I would collect for TRS at retirement. My question is if I do not file for TRS when I file for survivor benefits will they still reduce my benefit just because they are aware of it or would you actually have to file for both for them to reduce your survivor benefit ? It seems that it would be wise to collect my widow benefits first than collect TRS after that would run out? This is real confusing could you please write back with some advice.
Stacie Daigle , confused widow in Louisiana 48 years of age
If your state does NOT collect and pay Social Security taxes on your school system wages- some do, some don't, then your Surviving Spouse Social Security benefit will be reducedby the Social Security Government Pension Offset.
However there is more that could also affect your Surviving Spouse benefit even before the GPO.
If you file at 60 (or at anytime before your full retirement age) for your Surviving Spouse Benefit - it will be reduced because you are filing early.
if you continue to work after filing for your Surviving Spouse benefit and you are less than full retirement age, depending upon how much you will be making at the time, the benefit may be reduced. https://www.ssa.gov/pubs/EN-05-10069.pdf
It complicates matters more if you have any other employment where you did pay into the SS system on your own record. I believe you said in your 1st post on the Social Security Board that you had only been working for the school system for 3-years.
You are going to have to consult with the Social Security Administration - but you are only 48 now so there is no rush. Figures like earnings change every year, reduced amounts will change depending upon at what age you file for the Surviving Spouse benefit.
No, my sons are 22 and 18. my youngest son collects social security benefits till he is 19 but my question is can I file for my survivor benefit at 60 and choose not to file for teachers retirement till I have to that is If and when my survivor benefit would ever run out. Or Is that not allowed by social security, once you file you have to decide it has to be one or the other ?