In Massachusetts, nearly all public employees (including school teachers, firefighters, police, an other municipal workers) do not contribute to Social Security. These employees and employers are not paying the Social Security portion of the FICA tax (6.2 percent). Instead, those dollars are contributed to the municipal retirement system.
So, you may have a big retirement account at retirement, but how does this affect your Social Security to which you have not contributed during the time you were contributing to the public retirement system?
Your participation in the public retirement system may also affect your rights as a spouse or widow(er) as a result of the Government Pension Offset (GPO). For information, please visit here and here.
If you are an employee of the Federal government, then your eligibility for Social Security depends on whether you are part of the Civil Service Retirement System (CSRS) or the Federal Employees Retirement System (FERS). For more information, please visit here.
Participants in the military retirement system are subject to different rules. For more information, please visit here.
PLEASE VISIT HERE FOR INFORMATION ON HOW PARTICIPATION IN A PUBLIC RETIREMENT SYSTEM CAN AFFECT THE PROPERTY DIVISION IN YOUR DIVORCE.