What is Government Pension Offset (GPO)? 
If you will receive a pension for work not covered by Social Security such as government employment , any Social Security benefits you may be eligible to receive on your spouse's record may be reduced. This type of benefit reduction is called GPO. Some individuals are exempt from the offset. If you want to know if you meet the requirements for an exemption , please read the " When won't my Social Security benefits be reduced? " section of our " Government Pension Offset " factsheet. 

Information You Need to Calculate Your Benefits If You Are Affected by the GPO 
To estimate your future spouse's, widow's, or widower's benefits under the GPO , you need two things : The estimated " gross " monthly amount of your pension from your government job not covered by Social Security. The estimated monthly amount of your Social Security benefit as a spouse, widow, or widower before the effect of GPO. 

If you will be eligible for spouse's benefits and have access to your spouse's estimate: 
Find the estimated amount of the retirement benefit your spouse would be eligible to receive at full retirement age. If your spouse already receives benefits , ask them what their benefit would be if it started at their full or normal retirement age. Divide this amount in half and round down to the nearest dollar. This is your estimated spouse's benefit if you retire at full retirement age. 

If you will be eligible for a Social Security retirement benefit based on your own earnings: 
As well as a higher benefit based on your spouse's earnings , it will also affect your benefits as a spouse, widow, or widower. To get a more accurate estimate of how the government pension you will receive for work not covered by Social Security will affect the part of your benefit based on your spouse's work : Enter the estimated " gross " monthly amount of the government pension in today's dollars you will receive for work not covered by Social Security in Step #1

user: Hello and good afternoon. I was told that i would probably be eligible to receive a government pension, so i wanted to know if that could affect my eligibility for a social security retirement benefit, please?

assistant: Are you currently having a benefit based on your spouse's earnings?

user: No, i'm not having any of that right now.

user: Is any other way apart from this i can get information about that?

assistant: Yes, no problem. You can call to any of our toll free numbers or if you like, contact directly your local Social Security office.

user: Ah, i see, I have a kinda of hearing disability so, any of those numbers is useful to me in that regard?

assistant: Sure. For that kind of issues, you can call our TTY number. It's specifically designed for people with that kind of disability.

user: Ok, i'll look into that asap. Say, if i decide to retire early, i mean before my age of retirement, woud be any effect on my benefit?

assistant: Well, i'm afraid it has. If you do that, the benefit amount you receive as spouse will be obviously reduced, based mainly on your date of birth. This reduction could reach up to 30 percent.

user: Um, that's something to think about. Hey, and how can i get a more accurate estimate on the effect of my government pension over my benefits?

assistant: Well, you can use the Calculate Your Benefits section and get a more accurate amount. For that , you'll need to enter your estimated gross monthly amount of the government pension and use your most recent estimate to determine your estimated retirement benefit.

user: Um, looks like something heavy. Did you say i need to use my most recent estimate, isn't?

assistant: That's correct. The two things you need is your gross monthly amount and your most recent estimate.