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Re: My Brother Firefighters, Police and Teachers
[Re: DannyB]
#9138010
11/13/24 02:47 AM
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Joined: Jan 2007
Posts: 26,957
KRoyal
Texoma Legend
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Texoma Legend
Joined: Jan 2007
Posts: 26,957 |
Would educators get spousal survivor benefits if their spouse dies? I hope so, my wife is in IT and works for an ISD. She does not get summers off she works all year long so she can’t work the summers like the teachers do. She worked 10 years private sector before going to the school. If she doesn’t get my death benefits she’ll probably be screwed if I died before my retirement accounts mature over the next 20 years. She’ll be on TRS benefits which are a joke to begin with. Makes no sense she wouldn’t get what she worked for or what I paid in, just another way to screw the middle class.
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Re: My Brother Firefighters, Police and Teachers
[Re: Sniper John]
#9138011
11/13/24 02:52 AM
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Joined: Jun 2015
Posts: 20,095
Roll-Tide
THF Celebrity
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THF Celebrity
Joined: Jun 2015
Posts: 20,095 |
I think they broke into two separate issues. 1. Windfall Elimination Provision 2. Government offset.
I haven’t followed government offset as closely.
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Re: My Brother Firefighters, Police and Teachers
[Re: Sniper John]
#9138012
11/13/24 02:55 AM
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Joined: Jul 2015
Posts: 23,663
Bee'z
The Beedazzler
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The Beedazzler
Joined: Jul 2015
Posts: 23,663 |
I never made it 10 years. Anyone who wants to give me 10 years on a stable job that pays more than my current pm me.
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Re: My Brother Firefighters, Police and Teachers
[Re: Sniper John]
#9138038
11/13/24 03:51 AM
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Joined: Oct 2008
Posts: 18,244
68rustbucket
THF Celebrity
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This great news! My wife had a previous career for 15 years, and was going to school full time earning a BA and a masters degree. Then went into public schools. When she retired she should have received $1000 a month SS from her previous career, plus her TRS pension. Instead when applying for SS she was informed of the WEP and would only be receiving $495. What a shock! This would be a great deal if it actually passes through Congress.
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Re: My Brother Firefighters, Police and Teachers
[Re: Jimbo1]
#9138105
11/13/24 01:07 PM
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Joined: Dec 2008
Posts: 42,589
J.G.
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I just watched the vote live. This is huge. Now for the Senate. With this much bipartisan support, I think we have a good chance of this getting done.
Today, in a 327-75 vote, the House passed the Social Security Fairness Act (H.R. 82), legislation that would repeal the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO) Soooooo.....you're saying that these people are entitled to MORE than what they actually contributed? Lets say with my lifetime earnings where I paid SS taxes I am entitled to $1000 a month SS, but because I have a pension it gets knocked down to $500 a month. I would be penalized because I have a gov pension. I would be entitled to the same SS benefits as anyone else who contributed the same amount of money for the same amount of years if this passes. I hope this isn't confusing, it just eliminates the penalty. I thought it was because they didn’t pay in to SS all those years. I've paid into Social Security, Federal Withholding, and Medicare since my first paycheck. And also into my TMRS retirement account.
800 Yard Steel Range Precision Rifle Instruction Memberships and Classes Available
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Re: My Brother Firefighters, Police and Teachers
[Re: Sniper John]
#9138146
11/13/24 02:19 PM
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Joined: Dec 2011
Posts: 1,187
coachwhite34
Pro Tracker
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Pro Tracker
Joined: Dec 2011
Posts: 1,187 |
This is great, my wife worked for private software firm and paid into SS until she was 35. She then went into teaching. I paid into SS until I was 23. Started working as a freshman in high school and started paying in then. Not a lot but that was my money. I deserve something for it.
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Re: My Brother Firefighters, Police and Teachers
[Re: Sniper John]
#9138172
11/13/24 03:14 PM
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Joined: Apr 2007
Posts: 13,052
deerfeeder
THF Celebrity
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Joined: Apr 2007
Posts: 13,052 |
I think I get shafted too. 32 years of government service, Navy, Border Patrol, Customs. Later had 7 years as an EMT. I pay through the nose every year.
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Re: My Brother Firefighters, Police and Teachers
[Re: Sniper John]
#9138183
11/13/24 03:24 PM
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Joined: Dec 2007
Posts: 27,311
Concho
THF Celebrity
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Posts: 27,311 |
I'm already drawing mine with the penalty, it wasn't cut in half, maybe it is different now, but there was a limit on the amount you could be penalized, and it wasn't half. I don't know that much about it, maybe things are different now. I wonder if this would apply to those already drawing SS?
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Re: My Brother Firefighters, Police and Teachers
[Re: Sniper John]
#9138224
11/13/24 04:28 PM
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Joined: Jan 2014
Posts: 13,163
Paluxy
THF Celebrity
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I only put 10 years in with an ISD and wouldn't be able to touch TRS without my SS taking a hit until I paid 30 years of SS. At 30 years of paying SS the WEP doesn't apply. This bill is a good thing and only levels the playing field.
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Re: My Brother Firefighters, Police and Teachers
[Re: Sniper John]
#9138244
11/13/24 04:54 PM
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Joined: Jun 2015
Posts: 20,095
Roll-Tide
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Posts: 20,095 |
Exactly. The WEP is about half, but the penalty can be reduced by every year you contribute to 30 years of qualified SS contributions. It’s pretty hard for most to get 30 years of SS contributions and qualify for a pension.
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Re: My Brother Firefighters, Police and Teachers
[Re: KRoyal]
#9138247
11/13/24 05:00 PM
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Joined: Jul 2011
Posts: 10,345
Old Rabbit
THF Celebrity
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Posts: 10,345 |
Would educators get spousal survivor benefits if their spouse dies? I hope so, my wife is in IT and works for an ISD. She does not get summers off she works all year long so she can’t work the summers like the teachers do. She worked 10 years private sector before going to the school. If she doesn’t get my death benefits she’ll probably be screwed if I died before my retirement accounts mature over the next 20 years. She’ll be on TRS benefits which are a joke to begin with. Makes no sense she wouldn’t get what she worked for or what I paid in, just another way to screw the middle class. My wife is a retired teacher and this affects her. She could only get 1/2 of my S/S and they take that amount from her TRS retirement so the total amount she would get stays the exact same. I have a friend whose wife never worked, they are both retired now and she is allowed to draw half of his. Something about this just doesn't seem fair, I worked and paid into S/S for 47 years. If I die before her, under the current rules she doesn't get a single penny for all the years I worked.
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Re: My Brother Firefighters, Police and Teachers
[Re: J.G.]
#9138253
11/13/24 05:07 PM
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Joined: Aug 2005
Posts: 21,482
Sniper John
OP
gumshoe
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OP
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Joined: Aug 2005
Posts: 21,482 |
I've paid into Social Security, Federal Withholding, and Medicare since my first paycheck.
And also into my TMRS retirement account.
That is good. Some things changed, but it only applied to those who hired after 1983. I was hired before that and so was exempt from paying SS or Medicare my entire career. At the end of a 34 year career I was still not eligible for SS or Medicare when I retired. For those of us in that boat, the city would have paid for our Medicare B when reaching medicare age if we did not qualify from other earned income. I qualified myself through paying medicare and SS tax on my small business income to obtain the last of my 40 quarters.
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Re: My Brother Firefighters, Police and Teachers
[Re: Sniper John]
#9138258
11/13/24 05:14 PM
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Joined: Dec 2011
Posts: 6,007
Lazyjack
THF Trophy Hunter
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THF Trophy Hunter
Joined: Dec 2011
Posts: 6,007 |
This will not affect me as I retired with 30 SS credits and a small government pension. But as my wife is younger than I this could be benefit to her survivor benefits. I don't know if the SS plan can finically meet this obligation without a reducing other "obligation".
If the 2nd amendment was written just to include guns for hunting, why is there not an amendment to protect fishing poles?
Never trust a man that doesn't trust you.
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Re: My Brother Firefighters, Police and Teachers
[Re: DannyB]
#9139434
11/15/24 10:19 PM
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Joined: Aug 2012
Posts: 260
RH422
Bird Dog
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Bird Dog
Joined: Aug 2012
Posts: 260 |
Would educators get spousal survivor benefits if their spouse dies? My wife retired after 42 years of service teaching, 38 in Texas and with the TRS pension. Due to the current laws, if I die before her, she does not get any spousal benefits from my SS. I've always thought that was wrong. Guess I will have to dig into this possible change in legislation and see if that is being addressed.
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Re: My Brother Firefighters, Police and Teachers
[Re: DannyB]
#9139685
11/16/24 02:14 PM
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Joined: Feb 2008
Posts: 12,249
Grizz
THF Celebrity
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Joined: Feb 2008
Posts: 12,249 |
Would educators get spousal survivor benefits if their spouse dies? Survivor benefits shouldn't be affected by their profession. There are restrictions such as not getting remarried prior to their 60th birthday, and they are subject to the earnings penalty just like their own SS benefits. I'm in this situation right now. My fiancée and I have to wait until after my 60th birthday in March to get married so I can collect my deceased wife's SS, and I can't apply for them until I retire because my earnings while I'm working will completely wipe out what I would collect. Also, when I decide to start collecting my benefits, hers will just go away. Legalized theft.
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Re: My Brother Firefighters, Police and Teachers
[Re: Sniper John]
#9141041
11/19/24 06:26 AM
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Joined: Jun 2015
Posts: 20,095
Roll-Tide
THF Celebrity
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Posts: 20,095 |
Some of the Texas Reps who voted against it. Hunt, Moran,Roy, Crenshaw, Doggett and my rep Ken Self. https://clerk.house.gov/Votes/2024456
Last edited by Roll-Tide; 11/19/24 06:27 AM.
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Re: My Brother Firefighters, Police and Teachers
[Re: Sniper John]
#9141074
11/19/24 01:11 PM
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Joined: Nov 2004
Posts: 11,592
Choctaw
THF Celebrity
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Joined: Nov 2004
Posts: 11,592 |
I can't express my hatred in strong enough terms for Self. He is a disgusting little man.
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Re: My Brother Firefighters, Police and Teachers
[Re: Sniper John]
#9141077
11/19/24 01:21 PM
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Joined: Apr 2007
Posts: 13,052
deerfeeder
THF Celebrity
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Joined: Apr 2007
Posts: 13,052 |
I read some of that the other day and am still not sure what it means to me. 32 plus years with the government and probably 10 or less in the real world. Guess I'll find out soon enough.
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Re: My Brother Firefighters, Police and Teachers
[Re: Sniper John]
#9141127
11/19/24 02:43 PM
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Joined: Oct 2008
Posts: 18,244
68rustbucket
THF Celebrity
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Joined: Oct 2008
Posts: 18,244 |
When will the Senate vote on this bill?
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Re: My Brother Firefighters, Police and Teachers
[Re: Choctaw]
#9141200
11/19/24 04:42 PM
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Joined: Jun 2015
Posts: 20,095
Roll-Tide
THF Celebrity
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Posts: 20,095 |
I can't express my hatred in strong enough terms for Self. He is a disgusting little man. The more I find out about Self, the more I dislike him. Crenshaw too.
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Re: My Brother Firefighters, Police and Teachers
[Re: 68rustbucket]
#9141202
11/19/24 04:43 PM
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Joined: Jun 2015
Posts: 20,095
Roll-Tide
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Posts: 20,095 |
When will the Senate vote on this bill? From what I understand, it may be up to Schumer and he may delay it. Supposedly they have 60 Senators on board.
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Re: My Brother Firefighters, Police and Teachers
[Re: Roll-Tide]
#9141209
11/19/24 04:54 PM
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Joined: Jan 2014
Posts: 13,163
Paluxy
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Re: My Brother Firefighters, Police and Teachers
[Re: Sniper John]
#9152286
12/12/24 01:32 AM
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Joined: Jun 2015
Posts: 20,095
Roll-Tide
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Re: My Brother Firefighters, Police and Teachers
[Re: Sniper John]
#9152290
12/12/24 01:39 AM
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Joined: Oct 2008
Posts: 18,244
68rustbucket
THF Celebrity
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Joined: Oct 2008
Posts: 18,244 |
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Re: My Brother Firefighters, Police and Teachers
[Re: Sniper John]
#9152297
12/12/24 01:49 AM
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Joined: Jun 2015
Posts: 20,095
Roll-Tide
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Posts: 20,095 |
I was waiting to see mid it made it to a senate vote. Looks like it will. Can’t stand Liz Warren, but she is consistent.
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