Social Security and Public Employees in Massachusetts

Public Employees Impacted by Two Federal Laws

Public school employees in Massachusetts do not contribute to Social Security; however, many do contribute through other jobs.  Also, some have spouses who participate in the Social Security system.

  • The windfall elimination reduces any Social Security earned by an educator by approximately 55%. For example, a retired teacher receiving a pension from MTRS also qualifies for a monthly Social Security benefit of $1,000 might only receive $450 a month from Social Security.
  • The offset provision affects Social Security spouse’s or widow’s or widower’s benefits.  For example, if a married teacher receives a pension from MTRS of $6,000 a month two-thirds of that amount ($4,000) will be credited against any benefit from their spouse’s Social Security.
  • So, if a spouse dies and the retired teacher is eligible for $2,000 survivor benefit from Social Security they would receive none of it because the $4,000 would eat into all of it.
  • Very few married individuals who retire with a pension from MTRS will receive anything from their spouse’s Social Security.

For a free, independent, and unbiased review of your social security options, email me at tim.hayes@cambridgeresource.com today. Or, call me at 508-277-5847.

Social Security and Public Employees

Boston Office

39 Braddock Park #5
Boston, MA 02116
United States (US)
Phone: 508-277-5847
Email: tim.hayes@cambridgeresource.com

Dartmouth Office

126 Horseneck Road
S. Dartmouth, MA 02748
United States (US)
Phone: 508-277-5847
Email: tim.hayes@cambridgeresource.com