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If your pension is from what Social Security calls “covered” employment, in which you paid Social Security payroll taxes, it has no effect on your benefits.

How much will my Social Security benefits be reduced? We'll reduce your Social Security benefits by two-thirds of your government pension. In other words, if you get a monthly civil service pension of $600, two-thirds of that, or $400, must be deducted from your Social Security benefits.

Windfall Elimination Provision (WEP) There is a rule that says the reduction in your Social Security benefit cannot be more than one-half of your TRS pension. If you have 30 or more years of substantial Social Security earnings, the windfall provision won't apply and your benefit will not be reduced.

Retiring in Texas Once you qualify for normal retirement, you are eligible to receive a monthly pension for life. As a TRS member, you contribute 6.4% of your compensation toward future retirement benefits. The amount contributed by employing school districts differs from district to district.

However, a spouse is only entitled to receive 50 percent of living spouse's retirement benefit. That's why it is rare for teachers to receive any spousal benefit if their spouse is alive. Their pension is usually larger than 50 percent of their spouses' Social Security benefit.

Most of the public school districts in Texas have TRS as their pension but do not pay into Social Security. So these teachers will get no benefit from Social Security or a significantly reduced one if they haven't paid into it before or after being a teacher.

If your pension is from what Social Security calls “covered” employment, in which you paid Social Security payroll taxes, it has no effect on your benefits.

Teachers in California don't pay social security taxes on their paychecks or receive social security benefits. Instead, they pay into STRS, which stands for the State Teacher Retirement System. The acronym is treated as a name, pronounced “stirs”. STRS is superficially similar to Social Security.