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TWC benefits but no Social Security payments showing up - possible mistake?

I've been receiving my TWC unemployment benefits for about 6 weeks now (thank goodness!), but I realized I'm not seeing any Social Security contributions on my account when I checked online. I thought unemployment benefits should still count toward Social Security earnings? I worked for 12 years at my previous job before getting laid off in February, and I'm worried about this gap in my Social Security record. Has anyone else noticed this? Do I need to contact TWC about it, or is this normal? Just trying to make sure I'm not losing out on future retirement benefits while I'm between jobs.

Alfredo Lugo

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Unemployment benefits are NOT subject to Social Security taxes and don't count toward your Social Security earnings record. This is completely normal and not a mistake. TWC benefits are only subject to federal income tax (if you opted to have it withheld), but they don't count as "earnings" for Social Security purposes. Your Social Security record will show a gap during periods when you're on unemployment, which is why it's important to find new employment when possible.

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Gianna Scott

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Oh wow, I had no idea! I always assumed since they take out federal taxes they'd also count toward Social Security somehow. Thanks for clearing that up - one less thing to worry about I guess.

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Sydney Torres

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The system is COMPLETELY RIGGED against workers!! You pay into unemployment insurance your whole career, then when you finally need to use it they don't even count it toward your retirement?! This is why I tell everyone to save independently and not rely on these government programs that keep changing the rules. They take and take and give nothing back!!!

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Kaitlyn Jenkins

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Calm down, its always been this way. Unemployment is a temporary safety net not a career choice lol

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Caleb Bell

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i had the same question last year when i got laid off. unemployment doesnt count for ss but what really messed me up was realizing how this gap affected my ssdi eligibility too. make sure your looking at all aspects of your benefits not just retirement

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Gianna Scott

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That's a good point - I hadn't even thought about SSDI implications. I'm hoping to find work soon, but I'll definitely look into that. Thanks for bringing it up!

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I just went through this exact same confusion! Like you, I thought unemployment would somehow count toward Social Security, but nope. To make matters worse, I tried calling TWC to ask about this and other questions about my benefits, but kept getting busy signals for DAYS. Eventually I found Claimyr (claimyr.com) which got me connected to a TWC agent in about 15 minutes. They have a video showing how it works: https://youtu.be/V-IMvH88P1U?si=kNxmh025COIlIzKh The agent confirmed what others are saying here - unemployment benefits don't count toward Social Security earnings. It's just how the system works unfortunately.

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Gianna Scott

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Thanks for the suggestion! I might try that service if I have other TWC questions. Getting through to them has been impossible lately.

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Rhett Bowman

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To provide some more context: Unemployment benefits are considered "transfer payments" rather than earned income. Only wages, self-employment income, and certain other types of earnings count toward your Social Security credits. Since you mentioned you've worked for 12 years already, you likely have enough credits (40) to qualify for retirement benefits. Even with this gap, your Social Security retirement should be secure, though the benefit amount is based on your 35 highest-earning years, so periods of unemployment might slightly lower your eventual benefit amount. Keep focusing on your work search activities so you can get back to earning credits as soon as possible!

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Gianna Scott

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That's really helpful to understand, thank you! I was worried about losing eligibility entirely, but it sounds like it just might impact the final benefit amount a bit. I'm definitely focusing hard on finding new employment - already completed 5 work search activities this week!

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Abigail Patel

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my aunt told me u can pay extra into social security to make up for unemployment gaps but i dont know if thats true anybody know????

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Rhett Bowman

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That's not quite accurate. You cannot directly pay into Social Security to make up for gaps. However, if you're self-employed or do gig work while receiving partial unemployment, those earnings would count toward Social Security if you pay self-employment taxes on them. But there's no way to simply pay extra to fill unemployment gaps.

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Kaitlyn Jenkins

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this belongs in a social security forum not unemployment lol

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Gianna Scott

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Fair point, but I thought people here might have experience with how TWC benefits specifically interact with Social Security. Seems like I was right since I got some helpful answers!

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