Is it possible to receive Social Security benefits while also having a public pension?

Receiving Social Security benefits while also having a public pension is indeed possible, but it typically comes with adjustments based on the specifics of the pension and the Social Security program. The Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO) are two key rules that can apply in such situations.

The WEP can reduce the amount of Social Security benefits for individuals who have a public pension based on their earnings that were not covered by Social Security. This typically applies to individuals who have worked in jobs where they did not pay Social Security taxes. The GPO may affect spousal or survivor benefits when the recipient also has a government pension.

In essence, while individuals can receive both Social Security benefits and a public pension, the latter may lead to a reduction in the Social Security benefits they receive. This nuance is why the answer emphasizes the need for adjustments; it reflects the reality that the interplay between different types of retirement benefits can lead to complex outcomes.