How is the benefit for Social Security determined for those who have never worked?

2,880 Views | 11 Replies | Last: 3 yr ago by cjsag94
Gabster43213
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11:22p, 8/31/22
Just curious.
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Ranger1743
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6:31a, 9/1/22
AG
Bump for a parent who worked in Texas schools and thus never paid into SS.
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QuantumNoodle
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7:14a, 9/1/22
They would be eligible for any spousal/family benefits, but otherwise $0

Edit to add... technically "working" isn't a requirement for social security, It's the payment of social security tax that counts.
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Bob Knights Liver
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7:59a, 9/1/22
I think the plan is for you to just use some of mine since I'll probably not get any to be more fair.
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JSKolache
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In reply to Ranger1743 • 11:00a, 9/1/22
AG
Ranger1743 said:
Bump for a parent who worked in Texas schools and thus never paid into SS.
$0 in SS. TX opted against SS & in favor of it's own pension model for teachers in 1980s.

Now fast forward 40 yrs and retiring teachers are pissed off they don't get SS ... nor do they get full SS spousal survivor benefits (which are reduced by some factor computing in the teacher pension plan.)
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topher06
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In reply to JSKolache • 11:26a, 9/1/22
JSKolache said:
Ranger1743 said:
Bump for a parent who worked in Texas schools and thus never paid into SS.
$0 in SS. TX opted against SS & in favor of it's own pension model for teachers in 1980s.

Now fast forward 40 yrs and retiring teachers are pissed off they don't get SS ... nor do they get full SS spousal survivor benefits (which are reduced by some factor computing in the teacher pension plan.)
Well yeah but teachers complain about almost everything.
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woodiewood1
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In reply to JSKolache • 6:09p, 9/7/22
JSKolache said:
Ranger1743 said:
Bump for a parent who worked in Texas schools and thus never paid into SS.
$0 in SS. TX opted against SS & in favor of it's own pension model for teachers in 1980s.

Now fast forward 40 yrs and retiring teachers are pissed off they don't get SS ... nor do they get full SS spousal survivor benefits (which are reduced by some factor computing in the teacher pension plan.)
For the teachers who also worked in a SS job for the 10 required years, the SS amount is cut about 1/2 of what the schedule calls for due to them getting TRS. Doesn't seem right. No one else gets SS reduced due to having another retirement plan.

No, I am not a teacher.
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Harkrider 93
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In reply to woodiewood1 • 7:48a, 9/9/22
AG
woodiewood1 said:
JSKolache said:
Ranger1743 said:
Bump for a parent who worked in Texas schools and thus never paid into SS.
$0 in SS. TX opted against SS & in favor of it's own pension model for teachers in 1980s.

Now fast forward 40 yrs and retiring teachers are pissed off they don't get SS ... nor do they get full SS spousal survivor benefits (which are reduced by some factor computing in the teacher pension plan.)
For the teachers who also worked in a SS job for the 10 required years, the SS amount is cut about 1/2 of what the schedule calls for due to them getting TRS. Doesn't seem right. No one else gets SS reduced due to having another retirement plan.

No, I am not a teacher.
I am pretty certain that anyone who gets a pension and doesn't put into SS, are cut on theirs and spousal. Even if you worked in a SS job. You don't see it much anymore because nearly everyone (mostly gvt jobs) started putting into SS because of this.
As the waves roll, the eagle will fly to the setting sun.
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TXAGBQ76
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10:09a, 9/15/22
AG
You have to work 40 quarters and both you and your employer have the SS tax. You can't be eligible for something you did not pay into.

You are eligible for the equivalent of 1/2 of your spouses eligible amount- i.e. if your spouse gets $1K per month, you are eligible for $500 per month.
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combat wombat™
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10:10p, 9/15/22
AG
I'm a CPA and my best friend is a teacher… IMO the TRS is awful. A former or retired teacher who decides to get a job in the private sector is required to pay into SS but won't get any benefit from it.

I can't say whether the benefits of the TRS outweigh this shortcoming. I doubt it.
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cjsag94
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6:04a, 9/16/22
AG
So, teachers want to work as teachers for 30 years and walk away with full benefits from TRS (which is much better than social security benefits btw).. then go work for 10 years in private sector and walk away with full social security.. while the private sector 40 year social security member only gets the social security. All things being equal, they both contributed roughly the same over the long term, but they want to double dip on the benefits.

As said above, teachers love to complain about everything.
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cjsag94
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6:06a, 9/16/22
AG
To answer OP... If married, non-working spouse gets benefit based on 1/2 of spouses benefit amount.
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