Hello there. I'm looking for information about benefits planning, specifically retirement, please?
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Sure. Do you want to know about a Government Pension Offset?
Yes, please. I would like to have the information.
This pension is for those who will receive a pension for work not covered by social security. Is that your case?
No, now i heard the explanation, i think it's not my case.
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Well, i guess i have to be sure about what i'm looking for. Anyway, another question, lets say i am eligible for a retirement benefit on my own, but i do have a benefit based on my spouse's earnings, that will have any effect on mine's?
Yeah, it will. If there is a higher benefit, this will also affect your benefits as a spouse, widow or wdower.
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Ok, ok. Look now, what would be my spouse's benefit if she is already receiving benefits?
If that's the case, you'll have to ask your spouse what its benefit would be if it started at full retirement age. Then, you'll have to divide that on half, rounding it to the nearest dollar. That would be the benefit.
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And what about if i want to retire before the normal age? Would be any effect?
Sure, there will be. If you retire before normal age of retirement, then your benefit amount as spouse will be reduced and could be up to 30% of reduction. That percentage is based on your date of birth.
