Social Security & Pension from MTRS

Public school employees in Massachusetts do not contribute to Social Security; however, many do contribute through other jobs.  Also, some have spouses who take part in the Social Security system.

Social Security and Pension from MTRS
  • 1. The windfall elimination reduces any Social Security earned by an educator by about 55%. For example, a retired teacher receiving a pension from MTRS also qualifies for a monthly Social Security benefit of $1,000 might only receive $450 a month from Social Security.
  • 2. The offset provision affects Social Security spouse’s or widow’s or widower’s benefits.  For example, if a married teacher receives a pension from MTRS of $6,000 a month two-thirds of that amount ($4,000) will be credited against any benefit from their spouse’s Social Security.
    • So, if a spouse dies and the retired teacher is eligible for $2,000 survivor benefit from Social Security they would receive none of it because the $4,000 would eat into all of it.
    • Very few married people who retire with a pension from MTRS will receive anything from their spouse’s Social Security.

Are There any Work Arounds?

There is for the Windfall Elimination. Any public employee in Massachusetts with 30 or more years of “substantial earnings” in a job where they paid into Social Security will receive their full benefit. In fact, after 25 years of such substantial earnings, any reduction in benefits begins to be reduced.

There is no such escape however from the Government Pension Offset.

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The 403(b) Options In Your School System

A

Abington Public Schools

Acton- Boxborough Regional School District

Arlington Public Schools

Ashland Public Schools

Attleboro Public Schools

Avon Public Schools

B

Bedford Public Schools

Bellingham Public Schools

Belmont Public Schools

Billerica Public Schools

Blue Hills Regional Technical School

Boston Public Schools

Brookline Public Schools

C

Canton Public Schools

Carlisle Public Schools

Carver Public Schools

Chelmsford Public Schools

Cohasset Public Schools

Concord Public Schools

Concord-Carlisle Regional School District

D

Danvers Public Schools

Dartmouth Public Schools

Dover Public Schools

Dover Sherborn Regional School District

F

Fall River Public Schools

Framingham Public Schools

Freetown Lakeville Regional Schools

G

Groton-Dunstable Regional School District

H

Hanover Public Schools

Harvard Public Schools

Holliston Public Schools

Hudson Public Schools

L

Lawrence Public Schools

Lexington Public Schools

Lincoln-Sudbury Regional High School

Lowell Public Schools

Lynnfield Public Schools

M

Malden Public Schools

Manchester Essex Regional School District

Mansfield Public Schools

Martha’s Vineyard Regional High School

Marshfield Public Schools

Maynard Public Schools

Melrose Public Schools

Middleborough Public Schools

Milton Public Schools

Minutemen Regional

N

Nahant Public Schools

Natick Public Schools

Needham Public Schools

Newton Public Schools

North Andover Public Schools

North Attleborough Public Schools

Northborough Southborough Regional School District

Norton Public Schools

Norwood Public Schools

P

Pentucket Regional School District

Plymouth Public Schools

R

Randolph Public Schools

Rockland Public Schools

S

Sandwich Public Schools

Saugus Public Schools

Scituate Public Schools

Sherborn Public Schools

Somerville Public Schools

South Shore Education Collaborative

Stoneham Public Schools

Stoughton Public Schools

Sudbury Public Schools

T

Tewksbury Public Schools

Tyngsboro Public Schools

W

Wakefield Public Schools

Waltham Public Schools

Watertown Public Schools

Wellesley Public Schools

Westford Public Schools

Weston Public Schools

Westport Public Schools

Westwood Public Schools

Weymouth Public Schools

Wilmington Public Schools

Winchester Public Schools

Woburn Public Schools

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