As a California public school educator, you do not pay into Social Security, so you will not receive Social Security benefits for your CalSTRS-covered position.
If you expect to receive a Social Security check through your spouse or other employment, two federal rules—the Windfall Elimination Provision and the Government Pension Offset—could leave you with a smaller Social Security check or no check at all.
Your CalSTRS retirement benefit will not be reduced by these rules.
If you are receiving Social Security now, your Social Security benefit may be reduced or eliminated when you begin receiving your CalSTRS benefit. Let the Social Security Administration know when you are planning to retire so that your Social Security benefit can be adjusted. Otherwise, you will have to repay any excess Social Security benefits you receive once you begin receiving your CalSTRS benefit.
The Government Pension Offset affects your spousal, widow or widower Social Security benefits that are based on your spouse’s earnings.
Under this rule, your Social Security benefit will be reduced by two-thirds of your CalSTRS retirement benefit. If two-thirds of your CalSTRS benefit exceeds the amount of your spousal benefit from Social Security, you will not receive a Social Security check. If your Social Security spousal benefit is higher than two-thirds of your CalSTRS benefit, you’ll receive the difference.
Because you do not pay into Social Security for your CalSTRS-covered employment, you are subject to two federal provisions that may reduce or eliminate your Social Security benefit.
If you are counting on Social Security to supplement your CalSTRS benefit, it’s important that you are aware of how the Government Pension Offset and the Windfall Elimination Provision will affect you.
Electronic privacy is crucial for the ongoing success of the Internet as a convenient means to provide customer service. Your personal information will be used only to conduct CalSTRS-related business.
The California State Teachers’ Retirement System website has been developed in compliance with California Government Code §11135, which requires that all electronic and information technology developed or purchased by the State of California is accessible to people with disabilities. There are various types of physical disabilities that impact user interaction on the web. Vision loss, hearing loss, limited manual dexterity, and cognitive disabilities are examples, with each having different means by which to access electronic information effectively.