Some federal employees and employees of state or local government agencies may be eligible for pensions that are based on earnings not covered by Social Security.

If you didn't pay Social Security taxes on your government earnings and you are eligible for Social Security benefits, the formula used to figure your benefit amount may be modified, giving you a lower Social Security benefit.

If you are eligible for Social Security benefits on your own record

If you are eligible for Social Security benefits on your spouse's record

  • The Government Pension Offset (GPO) fact sheet explains how your pension may affect your benefit on your spouse's record.

    Note: Some government pensions do not affect your benefit on your spouse's record.
  • Use the GPO Online Calculator to calculate your estimated benefits as a spouse, widow, or widower if you are affected by the GPO.