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Three Reasons to Switch to Your Own Social Security Q: I am about to turn 70, and I'm still working. When I was 66, I filed for widow's benefits on my husband's record. At the time, my own retirement benefit was less than my husband's rate. My plan was to let mine build up over time, hoping that by …Read more. More Mailbox Miscellany Last week, I was cleaning out my email inbox and answered lots of miscellaneous questions in one column. Today, I'll dig even farther down in that mailbag and, once again, squeeze in as many questions and answers as my column space will permit. Q: I …Read more. Mailbag Miscellany This week, instead of concentrating on just one topic, I'm going to dig into my mailbag and answer random questions. I will try to keep my answers short and sweet so I can squeeze in as many questions as my column space will permit. Q: I took widow'…Read more. Maximizing Strategies: Going, Going, Gone! Congress and the president finally listened to me. With the budget bill agreement they reached a week or so ago, they killed the so-called Social Security maximizing strategies. And I say: good riddance! We will finally be getting Social Security …Read more.
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Retirement Benefits and Social Security Work Together Sometimes


Q: I am 58 years old and about to retire after 30 years of work for a county government in California. I was told that certain county employees in California, Texas, and a few other states could collect Social Security retirement benefits before the age of 62. Is this true?

A: No, you can't draw Social Security retirement benefits before age 62. And that's a fact whether you live and work in California, or Texas, or Timbuktu! Social Security is a federal program and the laws apply equally in all states.

But many state and county pension plans, and some private plans for that matter, offer to pay their early retirees a temporary benefit in lieu of Social Security until their real Social Security kicks in. In other words, if you are able to retire at age 58 with 30 years of service and collect a pension from the county you worked for, the county might provide you an extra benefit that's intended to supplement your pension until you reach Social Security age. Then at age 62, you apply for and get your Social Security payments, and your employer stops paying you that extra benefit.

Some pensioners, and even some pension plan managers, mistakenly refer to this as "temporary Social Security." But it is not a Social Security payment. It is just an extra benefit your employer provides. So you will have to check with your employer to find out if they offer this special benefit.

Q: I am about to turn 62 and plan to apply for my Social Security. Then, when I turn 65, I will get a pension from my former employer. I was told that when that happens, my Social Security benefits would be reduced. Is this true?

A: No, it's not true. Social Security retirement benefits are never reduced by any other pension you might receive.

On the other hand, the opposite is often true. Many public and private pensions are reduced when Social Security benefits kick in. But that almost always happens when the other pension is paid first.

As alluded to in the answer to the first question, these pensions often include extra amounts that are supposed to take the place of Social Security payments until the actual federal retirement benefits are paid.

And by the way, even though I said that Social Security retirement benefits are never reduced by any other pension you might receive, the same is not always true for Social Security disability benefits. There is a law that says the combination of a Social Security disability benefit and a worker's compensation payment cannot exceed 80 percent of the average income a person had before becoming disabled. If the two payments combined exceed that rate, one or the other benefit must be cut. In some states, the worker's compensation payment is adjusted. In other states, the Social Security disability benefit is reduced.

Q: I am about to turn 66 years old. I have been getting widow's benefits since I was 60. When I applied for those benefits, I was told that I might be able to switch to a higher amount on my own retirement account at age 66. When I recently went to my local Social Security office to inquire about this, I was handed the attached computer printout. (Note to my readers: I'm not reprinting it here because it's gibberish.) I was given this piece of paper with no explanation other than to "check out the numbers and make a decision." I have no idea what this printout is telling me. Can you help?

A: You unfortunately got stuck with one of the laziest Social Security Administration employees I ever heard of! What you were given is an internal SSA document that the representative was supposed to use to interpret your various options with respect to when to switch to your own retirement benefits. Based on the limited information I was able to get from the printout, it looks like your best option is to wait until age 70 and then switch from widow's benefits to retirement benefits. But please don't take my word for it. Go back to your local SSA office and demand to speak to a supervisor or manager who should give you better service.

To find out more about Tom Margenau and read features by other Creators Syndicate writers and cartoonists, visit the Creators Syndicate website at



3 Comments | Post Comment
I am 58 years old and would like to know if I retire now what would be my monthly income
Comment: #1
Posted by: Herbert Campos
Fri Jul 15, 2011 7:22 AM
Hi, I'm 66 years old and applied for SSS pension. I happen to be receiving another pension from the Philippines. Is this creating a problem for me from receiving my pension in the US?
Comment: #2
Posted by: Lenor s. malinis
Sun Oct 14, 2012 6:20 PM

In 2005, at the age of 61, I retired from my Department of the Army position. Following this I began to receive a monthly sum of approximately $1200. In July 2006, I reached the age of 62 and received a notice from (I believe) OPM informing me that since I had reached the age of 62 I was eligible to receive SSN benefits and my monthly retirement sum would be reduced accordingly - which it was to approximately $600.
I did NOT apply for SSN benefits, I was working for the Department of the Army in a NAF position.
I did finally apply for SSN benefits when I had reached the age of 66.
I have attempted to contact about this but have received no reply.
Was this action taken correct and why - I do not understand why my gov pension was cut due to SSN eligibility at age 62.
I earned my gov retirement benefit and should receive it in full, the same as I earned my SSN benefit....
Thank you,
Comment: #3
Posted by: norman sheets
Tue Mar 18, 2014 10:01 AM
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