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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.

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

  1. Christine Coates says:
    October 18, 2022 at 11:36 am

    Those people that were employed by the Federal Government do not receive social security benefits because they receive a Civil Service pension. They were entitled to receive SS benefits as a wife or widow until the Reagan Adm passed the law that stopped those benefits. So if you are a wife or. Widow that had the gumption to go out and work for the federal gov you are penalized unless your civil service pension is very low. Also at that time the social security money was separate from the general fund; putting social security money into the general fund was spent and now we are endanger of social security money being phased out by 2035.
    If I never worked a day in my life (especially as a dedicated federal employee) I would be entitled to widows social security benefits, but now I am not entitled to any social security benefits.

    Reply
  2. Barbara Scott says:
    October 24, 2022 at 3:28 pm

    I didn’t get my full Social Security because I retired from a town and got a county retirement. I had my full 40 quarters and they kept most of it. It’s not fair!!!!! I earned it and should have received it.

    Reply
  3. john Sharp says:
    December 4, 2022 at 12:03 am

    I worked as an Auditor for the state and then federal government before they were covered social security and because I left before retirement age, they only returned what I paid into the retirement.

    Reply
  4. Edward Reeh says:
    December 21, 2022 at 11:31 am

    If the illegal aliens are getting free everything from united states citizens then every American should receive benefits if people don’t stand up for there rights then America is screwed go vote and vote for someone who cares about the united states of America not themselves the people running the country now don’t care about the citizens of America look at what they are doing your money is going to people that are not American people and you’re letting them do it .let’s go Brandon!

    Reply
  5. Verlaine says:
    December 21, 2022 at 2:11 pm

    I do not have social security or medicare because I worked for the Postal Service and elected to become a CSRS employee. I received Medicare Part A and kept my postal health insurance.

    Reply
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