Your golden years are your best years! Make them shine!

  • Home
  • Personal Finance
  • Retirement Life
  • Saving & Spending

8 Types of Americans Who Aren’t Eligible to Get Social Security

May 24, 2022 · Retirement Life
social security
Photo by iofoto from Shutterstock

6. Certain Government Workers, Teachers, and Railroad Employees

Some jobs don’t contribute to Social Security. The Civil Service Retirement System, also known as CSRS, covers federal government employees hired before 1984 and offers retirement, disability, and survivor benefits. Since no Social Security taxes were deducted from their paychecks, these workers aren’t eligible to get retirement benefits.

If they had another job that allowed them to earn benefits, they may still be eligible to get Social Security though. The same if they have a spouse who paid Social Security contributions. S

till, in these cases, CSRS pension payments may decrease Social Security benefits. The latter are available to government employees who are covered by Federal Employees Retirement System (FERS), which substituted CSRS.

Most state and local workers are protected by Social Security under Federal Agreement Section 218. However, if they don’t pay Social Security taxes, certain types of these workers, such as teachers, won’t be eligible to get Social Security benefits. Employers are the ones who generally provide them with pension benefits.

Some railroad employees aren’t eligible to get Social Security either. The Railroad Retirement Board (RRB) only covers those who have worked in the railroad industry for at least 10 years (or 5 years after 1995).

Railroad workers who have worked less than 10 years can’t receive retirement benefits through the RRB, but they can be eligible for retirement benefits once they complete the Social Security requirements.

Pages: 1 2 3 4 5 6 7 8 9

Share this article

Facebook Twitter Pinterest LinkedIn Email

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

40 comments on “8 Types of Americans Who Aren’t Eligible to Get Social Security”

  1. Gale David says:
    April 27, 2025 at 7:40 pm

    I too worked in the getting social security withheld before and after my tenure with the Federal Government. I have received NONE of my withheld SS funds. But I get my annual reports of how much of my money the government is holding! I worked for it and earned it but my money isn’t even accruing interest. Please return
    MY EARNED MONEY to me. I could eradicate a signnificant ant portion of my debt and a tually live on my ension.

    Reply
  2. {owner Of Change says:
    April 27, 2025 at 3:24 pm

    Everyone who has been screwed should ,at let, understand that he system was build to get your money and not to give you money back, The powers that are in charge have had 100s of year to perfect the system and until the whole system is dismantled and competent aggressive move made to do that which works for ALL is put silently in place, There will be to other way except the one that is and has been for many decades. There are wats to do that which is needed but can only be done in silence and innovative ways. Let’s put creative thinking in place and start with the youthful minds, who are clear thinker, to regulate CHANGE!!!!

    ALL has the POWER and that’s where change starts.

    Reply
  3. SAAFE says:
    April 27, 2025 at 11:53 am

    You say illegals are receiving benefits that’s not true. Only Green card holders are eligible for Social Security benefits and that is a fact. As a Medicare Broker and Social Security intake specialist the federal government doesn’t give illegal immigration any federal benefits, not SNAP benefits, drivers license or voter’s regulations access. Please stop spreading conspiracy theories. Read the statues first before spewing misinformation.

    Reply
  4. Cynthia E Miller says:
    April 27, 2025 at 7:01 am

    I am a nurse living in az. I am working for a state facility. Does this mean even though I put in my 40 quarters before I started working for the state I won’t receive my SSI

    Reply
  5. Charles M Bunner says:
    April 9, 2025 at 12:11 pm

    Charles Bunner
    I served and retired from the Military 1954-1974 and became a Postal Employee and when
    Reagan became President a law was ENACTED known as the Windfall Elimination Program
    and when I became eligible to receive SOCIAL SECURITY in 2000, I did not receive my full
    earned benefits until CY2024 after Congress corrected the problem ONLY for CY2024.

    WHAT HAPPENED to those earned benefits between CY2000 and CY2024, since I became age ninety on 02/26/2025?

    Reply
  6. John F says:
    March 29, 2025 at 3:20 am

    This story forgot to mention. That felons in prison do not receive there SS while they are in prison.

    Reply
  7. Ann says:
    March 27, 2025 at 10:37 pm

    The complaints inthe above need to see if the changes in WEP and Gpo might give them some money.

    Reply
  8. Barry says:
    December 26, 2024 at 6:52 pm

    I have a friend who was born and educated in the UK, taught in several European countries and in Africa before immigrating to the USA, where he has been a citizen for 20+ years. Here he taught in private schools (not public), so he paid into SS all those years.
    While he does receive SS benefits, those were reduced by about $500 a month because he also receives retirement benefits from at least one foreign country (where he had paid into its retirement system).
    So WHY the deduction, if he paid into SS all the years he worked here?

    Reply
  9. Clarence says:
    December 26, 2024 at 5:11 pm

    The wpo and gpo were just repealed, President Biden needs to sign it into law. too late for a lot of us government workers.

    Reply
  10. Donna says:
    December 26, 2024 at 4:48 pm

    The COLA this year is a joke, I got a whole $13.80 increase not even enough for a day worth of groceries what the HELL!!!!!

    Reply
Se încarcă comentarii...

Nu mai există comentarii de afișat.

Search

Latest Posts

  • Watercolor illustration of a retiree checking off 'Travel' and 'Golf' on a list, surrounded by icons of airplanes and park ranger hats. 7 Retirement Jobs People Take Just For Free Perks
  • A retiree couple looks out the window of their new, bright, minimalist condo, symbolizing a fresh start after downsizing their home. 8 Things Retirees Are Selling Before Moving Into Smaller Homes
  • A retiree in a sun hat looking out over a vast canyon at sunset, symbolizing the freedom of travel in retirement. 7 Retirement Jobs That Let You Travel For Free
  • A grandmother and grandson sitting on a wooden dock at sunset, skipped stones creating ripples in the water. 7 Retirement Places Where Grandkids Actually Love Visiting
  • A retiree couple sitting at their kitchen table in morning light, looking stressed while preparing for a family meeting about their future. 7 Awkward Conversations Retirees Keep Avoiding With Their Adult Children
  • A retired couple overlooks a vast mountain valley at sunrise, illustrating the dream of retiring near a national park. 7 Retirement Towns Near National Parks People Love
  • A retiree couple in hiking gear walks a mountain trail transitioning from sun to the shade of a cool evergreen forest at sunset. 7 Retirement Destinations With Surprisingly Cool Summers
  • A scenic mountain overlook at sunset with a wooden bench in the foreground and a valley of autumn trees below. 7 Unexpected Places Retirees Are Moving For Better Weather
  • A senior woman with silver hair working on a pottery wheel in a sunlit studio, representing an active and creative retirement job. 7 Part-Time Jobs Retirees Actually Enjoy Doing
  • A watercolor illustration of a retired man sitting on a park bench in a charming, walkable small city with moving boxes nearby. 7 Small Cities Retirees Are Choosing Over Expensive Suburbs

Newsletter

Get retirement tips and senior living advice delivered to your inbox.

Related Articles

retirement move

6 Clear Signs You Should Move for Retirement

Retirement brings a unique journey for everyone. No matter if it’s just around the corner…

Read More →
Worst Cities to Retire

12 Worst U.S. Cities to Retire This Year (and Why)

Stay close to your loved ones Where is your family living? Don’t relocate without them!…

Read More →
texas

5 Amazing Texas Cities You’ll Want to Call Home

A smiling couple enjoys coffee at a sunlit outdoor cafe, showcasing the friendly community and…

Read More →
A retired couple walking in a coastal park at sunset.

12 US Cities Where You Can Retire for $2K a Month and Enjoy All 4 Seasons

11. Toledo, Ohio Average one-bedroom rent: ~$900 Toledo sits on the western edge of Lake…

Read More →
A man in a navy sweater looks at a retirement spreadsheet and travel brochures at his kitchen table in soft morning light.

10 Things No One Tells You About the First Year of Retirement

Discover the 10 unexpected financial, emotional, and lifestyle changes no one tells you about during…

Read More →
social security numbers

6 Social Security Changes Coming Next Year

#6 Higher Earnings Test Thresholds for Working Beneficiaries If you work while collecting Social Security…

Read More →
small towns

4 Budget-Friendly Small Towns to Call Home

Enjoy a quiet morning on a porch swing with tea, surrounded by lush gardens and…

Read More →
brands

Baby-Boomers Are Obsessed with These 15 Clothing Brands

Let’s be honest: coming of age in what we now know as the age of…

Read More →
A mixed media collage with the text 40% Persistently Lonely, transitioning from cool grey tones to warm oranges with silhouettes of connecti

6 Reasons Retirement Feels Lonely—and Exactly What to Do About It

Discover the hidden causes of retirement loneliness and learn practical, actionable strategies to rebuild your…

Read More →
Retired in USA

Your golden years are your best years! Make them shine!

Inedit Agency S.R.L.
Bucharest, Romania

contact@ineditagency.com

Trust & Legal

  • Terms and Conditions
  • Privacy Policy
  • Do not sell my personal information
  • Subscribe
  • Unsubscribe
  • Contact
  • CA Privacy Policy
  • Request to Know
  • Request to Delete

Categories

  • Enjoying Retirement
  • Personal Finance
  • Saving & Spending

© 2026 Retired in USA. All rights reserved.