Social Security and Government Employees: Part Three – Government Pension Offset


by William F. Rainaldi, CFP®
Regional Vice President

In Parts One and Two of this series, we looked at certain types of government employees who have worked previously with a “non-covered” pension. That is, they worked at a job where they didn’t have to pay Social Security withholding taxes, but got a separate pension from the “non-covered” work they did. Now we look at the Government Pension Offset (GPO), which is used to reduce Social Security spousal benefits to offset the perceived “windfall.”