Would It Be Better For Me To Get To 40 SS Credits Or Stay Below That And Get A Totalization Benefit?
Hello Larry,
I worked in the US for 9 years as a teacher and have 40 Medicare credits but only 36 SS credits (taught one year in CA). I am moving permanently back to the US soon. I receive a Canadian teacher pension and will also get CPP in two years. I don’t plan to work more than small part time hours at the most in the US if at all. Would it be better for me to top up to the 40 SS credits and be subject to WEP or stay at 36 credits and get prorated SS payments with totalization. Thank you for your help.