Will I Avoid Social Security’s Government Pension Offset?

Clients who are receiving a government pension and a Social Security spousal, widow, or widower benefit based on their spouse or ex-spouse’s work history may be impacted by the Government Pension Offset (“GPO”).

To help make the GPO rules easier for clients to understand, we have created the “Will I Avoid Social Security’s Government Pension Offset?” flowchart. It addresses some of the most common issues that arise for a client that might be subject to the GPO, and considers the following:

  • Impact of certain key dates
  • Required Social Security contribution period to avoid GPO
  • GPO calculation
  • Impact on Medicare


Updated 11/15/2020