10. If you work for a government or other organization that is exempt from Social Security, so it doesn’t send in Social Security tax payments based on your earnings, you will face lower benefits from Social Security – both retiree, spousal, and survivor from subsequent or former work under which you were are will be covered by Social Security. Again, this is perfectly justifiable. But do people know it when they work, say, for as a teacher in Massachusetts. If not, the rules of Social Security, not the folks at Social Security, can produce a nasty gotcha.
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