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Us social security

Us social security

Old Dec 15th 2019, 10:14 pm
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Default Us social security

Hi am a green card holder have lives in california for 5 years. I am considering citizenship. There are multiple factors to consider but one thing i cant seem ti find out is....
The US pays a retirement pension based on earnings average for 35 years. Does tha clock start ticking the minute you start paying us taxes?

I assume so but if someone.knows it would help

Thanks

Lee
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Old Dec 15th 2019, 11:33 pm
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Default Re: Us social security

Originally Posted by Leedufty View Post
Hi am a green card holder have lives in california for 5 years. I am considering citizenship. There are multiple factors to consider but one thing i cant seem ti find out is....
The US pays a retirement pension based on earnings average for 35 years. Does tha clock start ticking the minute you start paying us taxes?

I assume so but if someone.knows it would help

Thanks

Lee
To be eligible for social security you must work ten years or earn forty credits, which you start accruing as soon as you start working and filing tax returns.
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Old Dec 15th 2019, 11:59 pm
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Default Re: Us social security

Originally Posted by Nutmegger View Post


To be eligible for social security you must work ten years or earn forty credits, which you start accruing as soon as you start working and filing tax returns.
As well having paid into the SS system. BTW it is not a pension. It is a retirement benefit. Many self-employed persons do not pay SS contributions.
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Old Dec 16th 2019, 7:55 am
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Default Re: Us social security

Originally Posted by Rete View Post
As well having paid into the SS system. BTW it is not a pension. It is a retirement benefit. Many self-employed persons do not pay SS contributions.
Not just self employed - many government workers do not pay into SS. For instance, teachers and other town, county & state employees in Massachusetts do not pay into SS. Several other states too.
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Old Dec 16th 2019, 10:58 am
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Default Re: Us social security

Does tha clock start ticking the minute you start paying us taxes?
Yes, so long as those 'taxes' you are paying are Social Security taxes.
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Old Dec 16th 2019, 4:21 pm
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Default Re: Us social security

Originally Posted by civilservant View Post
Yes, so long as those 'taxes' you are paying are Social Security taxes.
Your paycheck or deductions should note withholding/payment to FICA which is your social security contribution. If you are employed, both you and your employer pay into this other than those workers noted by Robin1234 above.
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Old Dec 16th 2019, 5:52 pm
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Default Re: Us social security

How would a self employed person not pay into SS? When I had self employment income I paid double ( as the worker and as the employer).
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Old Dec 16th 2019, 7:41 pm
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Default Re: Us social security

Originally Posted by ddsrph View Post
How would a self employed person not pay into SS? When I had self employment income I paid double ( as the worker and as the employer).
I've been self-employed for thirty years plus, and do indeed pay for the pleasure of dancing to the beat of my own drum in terms of SS contributions!
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Old Dec 16th 2019, 11:12 pm
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Default Re: Us social security

Originally Posted by ddsrph View Post
How would a self employed person not pay into SS? When I had self employment income I paid double ( as the worker and as the employer).
Simple, they just don't pay. My son-in-law doesn't pay into SS and neither did my now departed former fiancee. They both figured they will work until they died. One did.
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Old Dec 16th 2019, 11:34 pm
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Default Re: Us social security

Originally Posted by Rete View Post
Simple, they just don't pay. My son-in-law doesn't pay into SS and neither did my now departed former fiancee. They both figured they will work until they died. One did.
So they didn’t file any federal tax returns? A money saving idea but risky.
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Old Dec 17th 2019, 2:22 am
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Default Re: Us social security

Originally Posted by robin1234 View Post


Not just self employed - many government workers do not pay into SS. For instance, teachers and other town, county & state employees in Massachusetts do not pay into SS. Several other states too.
I am one of the government workers that does not pay into SS. I have what is called an alternate social security. It means I will be receiving minimum SS from the 14 years I paid into with previous jobs. It kind of sounded complicated when I first applied but now I know who is paying what I feel a bit more comfortable ( I think)
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Old Dec 17th 2019, 11:41 am
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Default Re: Us social security

Originally Posted by ddsrph View Post

So they didn’t file any federal tax returns? A money saving idea but risky.
My former spouse was self employed and filed tax returns each year, but didn't always pay into SS. It depended on how much profit was earned, I think. We had a CPA doing the taxes, and I know his SS contributions varied from year to year, with some years being zero.

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Old Dec 17th 2019, 12:56 pm
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Default Re: Us social security

Originally Posted by Sugarmooma View Post
I am one of the government workers that does not pay into SS. I have what is called an alternate social security. It means I will be receiving minimum SS from the 14 years I paid into with previous jobs. It kind of sounded complicated when I first applied but now I know who is paying what I feel a bit more comfortable ( I think)
So was my Dad and former husband as both worked for the USPS. Dad had over 30 years working regular jobs before joining the USPS so he had a nice SS benefit check and a USPS Pension check.
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Old Dec 17th 2019, 12:57 pm
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Default Re: Us social security

Originally Posted by ddsrph View Post

So they didn’t file any federal tax returns? A money saving idea but risky.
They do file federal and state returns.
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Old Dec 17th 2019, 10:39 pm
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Default Re: Us social security

Originally Posted by Rete View Post
They do file federal and state returns.
Self employed people pay self employment tax of 15.3% on their taxable income. That's equivalent to the sum of employee and employer Medicare and SS taxes. The only way to avoid it is minimizing your taxable income by maximising your business expenses and other deductions only available the the self employed.
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