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Will my pension from the United Kingdom affect my U. S. Social Security survivor benefits?

Full question: Prior to becoming a US citizen I lived and worked in the UK and paid National Insurance contributions. My husband passed away after we had been living in the US for a number of years and I receive survivor benefits (at age 63). At FRA I think I would qualify for a UK…

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How will my foreign pensions impact the survivor benefits I receive?

Full question: I am collecting my deceased spouse’s benefits and I am eligible for a UK state pension and a UK teaching pension. How will these pensions apply or not apply to me? Thank you very much. Hello, There are two rules related to pensions and Social Security and they affect Social Security benefits in…

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Can I apply for spousal benefits since my own benefit will be decreased by WEP (Windfall Elimination Provision)?

Full question: My SS benefits will be whacked by WEP. Can I apply under my wife for spousal benefits and will they be half of her benefit (despite my WEP)? Hello, Yes, in fact when you apply for any Social Security benefits, you will be “deemed” to be filing for all the benefits you are…

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Will my Railroad spousal pension impact my Social Security retirement benefits?

Full question: My husband receives an annuity (pension) for his work with the Railroad Retirement system. I am 58 and will also be eligible to receive a spousal RR annuity at 60. I have many years of SS covered employment. Will my RR spousal pension impact my SS retirement benefits? Hello, It may be that…

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Are Social Security spousal benefits reduced by the Government Pension Offset (GPO) if you receive a foreign pension?

Full question: My wife is from Poland. She has a pension from ZUS. She is 68 and retired. She currently receives a small social security check. Will her spousal benefits be reduced by Social Security GPO? Hello, Yes, she will still qualify for full Social Security spousal benefits; her foreign pension will have no bearing…

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If I receive a foreign pension and qualify for spousal benefits, can I receive both?

Hi, Yes, you still qualify for full Social Security spousal benefits; your foreign pension will have no bearing on your eligibility for spousal benefits. Foreign pensions are not considered as government pensions for purposes of the GPO provision, as specified in the first bullet of Section B, Payments That Are Not Pensions For GPO, in…

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