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Will I Avoid Social Security’s Government Pension Offset?

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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 6/23/2020

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— Ray, an advisor in California
“The charts are probably as much value to me (as advisor) as they are when given to a specific client. I know and understand the topics covered, but it can be a lot faster to refresh with a quick glance at the chart’s decision tree vs having to read through regulations”
— Larry, an advisor in Oregon
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— Meghan, an advisor in Georgia
“I love it! I find it very helpful. It's a great client value add.”
— Phillip, an advisor in North Carolina
“I just met with a client who had a question regarding her eligibility for Social Security benefits. We went through the flowcharts answering each question and following the lines. She looked at me and said 'This is great, it was so much easier to use this than trying to go through all the literature that Social Security offers. Thank you so much.'”
— Ben G, an advisor in Wisconsin
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