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

May 24, 2022 · Retirement Life
social security
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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. 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
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