Social Security timing with teacher pension - when to apply for July retirement?

Just apply for SS 3 months before u want to get paid. They always pay a month behind anyway so if u want July to be ur first month of SS entitlment, apply in April. That way u'll get ur first check in August. But watch out for WEP, alot of teachers get shocked when they see how much less they get!!!

I retired from teaching in 2023, and I can tell you exactly what to do. You should apply for Social Security THREE months before you want benefits to begin. Since your pension starts July 1, I'd recommend making your SS start date July 1 as well (which means your first payment would arrive in August). This avoids any potential issues with double-dipping that some pension systems are concerned about. If you start SS in June, you might have to report that income to your school system, which could complicate your pension calculation. Also, be prepared for the Windfall Elimination Provision (WEP) to reduce your SS benefit since you have a pension from non-covered employment. The reduction can be substantial - in my case, my SS benefit was reduced by about $450/month. One more tip: gather your pension award letter when applying for SS, as they'll need this information to calculate your WEP reduction.

BE CAREFUL!!!! i waited until after i got my first pension check to apply for SS because my friend didnt and somehow they messed up her first pension payment!!! the school system got confused when SS contacted them or something. i dont know the details but it was a HUGE hassle for her to fix. better safe than sorry in my opinion!

I think either way works fine as long as you're past your full retirement age. Since you're 66 and 8 months, you're already past FRA so no reduction. The most important thing is to make sure your school district doesn't have any weird rules about collecting retirement benefits while still on payroll. Some do! Also be prepared for the WEP reduction - it's annoying but what can you do 🤷‍♀️

I'd recommend applying for Social Security with a July start date (which means receiving your first payment in August). This approach has several advantages: 1. It clearly separates your employment period from your Social Security benefit period, preventing any potential issues with your pension system 2. It gives SSA time to properly calculate your WEP reduction based on your pension amount 3. It reduces the risk of any overlapping income issues on either system Apply about 3 months before your intended start date - so applying in April for a July benefit start date is ideal. Make sure to specify "July 2025" as your benefit start month on the application. Since you're beyond Full Retirement Age, you don't have to worry about early reduction penalties, so that's good news. Remember that the Windfall Elimination Provision will likely reduce your Social Security benefit because of your teacher's pension. The reduction is capped at $534/month in 2025 (for people first eligible for SS in 2025), but the actual reduction depends on your years of substantial earnings under Social Security.

I had to call the SSA about 30 times before I could get through to ask this EXACT question when I retired from teaching!!! So frustrating. Anyway, they told me to apply 3 months before I wanted benefits to start and to make my benefit start date the same month as my pension. Made everything smoother with paperwork. But omg the WEP reduction was a shock even though I knew it was coming!! Try using Claimyr (claimyr.com) to get through to SSA quickly - I found it in a similar thread here when I was pulling my hair out trying to reach someone at Social Security. You can see how it works at https://youtu.be/Z-BRbJw3puU. Saved me hours of redial frustration when I had follow-up questions about my WEP calculation.

side note but im still mad about WEP. why should we get penalized for choosing to teach? its so unfair when we paid into SS from summer jobs and before teaching.

Just went through this exact situation 6 months ago! Applied in March for June benefits (got first payment in July) and it worked perfectly. The key is definitely applying 3 months early and making sure your SS start date is the same as or after your official retirement date. One thing I learned - when you apply online, there's a section where you can upload documents. Even if you don't have your final pension letter yet, upload any preliminary retirement paperwork you have. It speeds up the process later when they need to calculate your WEP reduction. Also, don't stress too much about the exact timing. Since you're past FRA, you have more flexibility. The SSA representatives are used to working with teachers and they understand the pension coordination issues. Just be clear about your retirement date when you apply. Good luck with your retirement! Teaching for 28 years is amazing - you've earned this!

As someone who just went through this process last year, I can confirm what others have said - apply 3 months before your desired benefit start date and align your SS start with your pension start (July 1st in your case). One thing I'd add that I learned the hard way: when you apply online, there's a question about whether you expect to receive a pension from work where you didn't pay Social Security taxes. Make sure you answer YES to this and provide as much detail as possible about your pension amount. This helps them start the WEP calculation process early. Also, keep detailed records of everything! I created a folder with copies of my SS application, pension paperwork, and all correspondence. It made follow-up questions much easier to handle. The WEP reduction stings, but at least you'll know exactly what to expect once you get your award letter. Congratulations on 28 years of teaching - you've definitely earned your retirement!

I'm actually in a similar situation - retiring from teaching next year and trying to figure out the SS timing! Reading through all these responses is so helpful. One question I have is about the WEP calculation - does anyone know if they use your estimated pension amount when you apply, or do they wait until you have the actual pension award letter to finalize the WEP reduction? I'm wondering if there could be any adjustments later if the actual pension amount differs from what you estimated when applying for SS. Also, Beth, congratulations on your retirement after 28 years! That's incredible. I'm at 23 years and can't wait to join you on the other side. The advice about applying 3 months early and aligning with your pension start date seems to be the consensus here - definitely what I'll be doing when my time comes.

I just retired from teaching in December after 32 years and went through this exact same process! Here's what worked for me: I applied for SS in September for December benefits (which meant my first payment came in January). The key thing that made it smooth was making sure my SS benefit start date was AFTER my last day of work, not before. One tip I wish someone had told me - when you call or apply online, specifically mention that you're a teacher with a pension from non-SS covered employment. They have a special process for handling teacher retirements and WEP calculations, and mentioning this upfront can save you time. Also, don't be surprised if your first SS payment is a bit delayed while they verify your pension information with your state retirement system. Mine was about 2 weeks late, but they made it retroactive to the correct date. The WEP reduction was exactly what the online calculators predicted, so at least there were no surprises there. With your pension amount, you're looking at probably close to the maximum WEP reduction, but you already seem prepared for that. You've got this! After 28 years of dealing with school bureaucracy, navigating SS and pension coordination will feel like a breeze! 😊

Congratulations on your upcoming retirement, Beth! I went through this exact same situation two years ago when I retired from teaching after 26 years. Based on my experience and what I learned from SSA, here's what I'd recommend: Apply for Social Security in April for a July 2025 benefit start date. This gives SSA the full 3-month processing window they prefer, and your July start date will align perfectly with your pension start date. Your first SS payment will arrive in August (since they always pay one month behind). A few things that helped me: - When applying online, be very specific about your teacher's pension in the application. Include your expected monthly amount ($4,250) and clearly state it's from non-SS covered employment - Save copies of everything - your pension estimate letter, SS application confirmation, etc. - Don't worry too much about the exact WEP calculation initially; they'll figure that out once they have all your info One advantage of the July start date is it gives your school district's HR department time to finalize all your retirement paperwork without any overlap confusion. Some districts get nervous about benefit timing, so this approach keeps everything clean and separate. You're smart to plan this out carefully! The WEP reduction will sting a bit, but you're past FRA so at least you're getting your full (pre-WEP) benefit amount. Enjoy your well-earned retirement!

I'm a newer teacher (only 8 years in) but I've been following this thread because I'm trying to understand how this will all work when I eventually retire. This has been SO educational! One thing I'm curious about - for those of you who have already retired, did you find that the online Social Security calculators were accurate for predicting your WEP reduction? I've been playing around with them to get a sense of what to expect down the road, but I'm wondering how reliable they actually are compared to the real calculations SSA does. Also, Beth, this might be a silly question, but did you have to do anything special to coordinate between your state teacher retirement system and Social Security, or do they handle that communication automatically once you apply for both? Thanks to everyone for sharing their experiences - this is exactly the kind of real-world advice that's impossible to find anywhere else!

I'm also a teacher approaching retirement (retiring in 2026 after 30 years) and this thread has been incredibly helpful! Based on all the advice here, it sounds like the consensus is pretty clear: apply 3 months before you want benefits to start, and align your SS start date with your pension start date. Beth, one thing I wanted to add that might be helpful - since you mentioned you're expecting around $2,100 from Social Security before WEP, you might want to double-check that estimate using the SSA.gov online calculator if you haven't recently. I found that my estimate had changed slightly over the past couple of years as they updated my earnings record. Also, for what it's worth, I've heard from other teachers in my district that it's worth calling SSA a few weeks after you submit your application just to confirm they have everything they need and that your WEP calculation is being processed correctly. Better to catch any issues early than to be surprised later. Congratulations on reaching retirement! After 28 years, you've definitely earned it. The timing stress will be worth it once you're enjoying your well-deserved retirement!