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Originally Posted by sugarpop
That is just wrong. If you pay into both, you should receive a % amount for the years you paid in. 10 years worth wouldn't be much, but still, she paid in, she should be paid out.
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I'm assuming you mean "wrong" from a moral standpoint? Because from a factual standpoint, I assure you it's true. It's called the Windfall Elimination Provision, and while they don't strictly calculate it as "one or the other," it's a
pro-rated reduction of your SS benefits which depends on how many years you paid in, and what year you turn 62. In her case, the reduction amount is equal to (or greater than, I don't know her exact numbers anymore) the amount she would have received, so the end result is no SS payout.