Social Security and Government Employees: Part One – The Basics

Nov 6, 2018 | Social Security Planning

by William F. Rainaldi, CFP®
Regional Vice President

Government employees are a seriously underserved market, particularly when it comes to Social Security. And there’s one interesting reason: Very few people truly understand how Social Security integrates with “non-covered” pensions. That is, pensions, often for state and local government employees, where the employee does not pay into the Social Security system.

Frankly, the two government provisions—the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO)—are some of the most difficult Social Security concepts to grasp. But if you are a government employee, chances are good that it’s going to come up. So you need to understand at least the basics.


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