THE EVERETT ADVOCATE – Friday, June 7, 2019 Page 23 OBITUARIES Matilde M. (Scarsella) Massaro and Marisa O’Donnell and her husband, Michael. And loving Bisnonna of Lucca O’Donnell. Services are private and will be held at the convenience of the family. In lieu of flowers, contributions in Matilde’s memory to Care Dimensions, 75 Sylvan St. Danvers, MA 01923 would be sincerely appreciated William David Singleton Of West Lebanon, NH, formerly of Everett, died after a brief illOf Everett, entered into eternal rest on Tuesday, June 4, 2019 in the Kaplan Family Hospice House in Danvers. She was 95 years old. Born in Fagnano Alto, Italy, Matilde resided in Everett for over 60 years. She was a talented seamstress by profession. Beloved wife of the late Antonio. Dear and devoted Mamma of Enio Massaro and his wife, Maureen of Wakefield and Alessandro Massaro and his wife, Maureen Pompeo of Nahant. Sister of the late Pamfilo Scarsella, Angela Massaro and Ilde Aquilio. Loving Nonna of Carla Massaro ness on Sunday, May 26, 2019. He was predeceased by his wife, Dorothy Singleton and by his daughter, Joan Smith. He is survived by his daughters Linda Nolan and her husband Tom of Savannah, GA, Diane Pulley of West Lebanon, NH, Nancy Singleton of Canaan, NH, Darlene Dubuque and her husband Jon of West Lebanon, NH and a son Mark Singleton of Winthrop. William is also survived by ten grandchildren and eight great-grandchildren. William was born in Cambridge on July 4, 1928. He was a veteran of the United States Coast Guard and retired from the U.S. Postal Service. William did his best to live his life to the fullest. He was the kindest man you could ever meet. He loved being around his family and he especially loved all the times we all spent together at his favorite place, York Beach, Maine. He will be deeply missed by all that had the pleasure of knowing him. In lieu of flowers, donations may be made to the Jack Byrne Palliative Care Center in Lebanon, NH or the American Heart Association. Phyllis Marie Dean Of Revere, formerly of Everett & Chelsea died on May 30. She was the beloved mother of David P. Dean of Woburn. Phyllis was the sister of the late Edward Dean, Robert Dean, Francis Dean, Virginia Mack & John Dean and the loving grandmother of David Dean, Jr., Jonathan Dean & Casey Dean. She is also survived by many nieces & nephew. In lieu of flowers donations in her memory may be made to Chelsea Jewish Nursing Home Activities Fund. Savvy Senior How a Government Pension Might Reduce Your Social Security Benefits Dear Savvy Senior, As a teacher for 20 years, I receive a pension from a school system that did not withhold Social Security taxes from my pay. After teaching, I’ve been working for a small company where I do pay Social Security taxes. Now, approaching age 65, I would like to retire and apply for my Social Security benefits. But I’ve been told that my teacher’s pension may cause me to lose some of my Social Security. Is that true? Ready to Retire Dear Ready, Yes, it’s true. It’s very likely that your Social Security retirement benefits will be reduced under the terms of a government rule called the Windfall Elimination Provision (or WEP). The WEP affects people • Burials • Cremations • Pre-Arrangements • Serving the Greater Boston and North Shore regions for over 250 years! It is our purpose to give thoughtful service, and if in so doing, we have helped to lighten your burden, our goal has been accomplished. 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No phone calls please”. who receive pensions from jobs in which they were not required to pay Social Security taxes – for example, police officers, firefighters, teachers and state and local government workers whose employers were not part of the national Social Security system. People who worked for nonprofit or religious organizations before 1984 may also be outside the system. Many of these people, like you, are also eligible for Social Security retirement or disability benefits based on other work they did over the course of their career for which Social Security taxes were paid. Because of your teacher’s pension, Social Security will use a special formula to calculate your retirement benefits, reducing them compared to what you’d otherwise get. How much they’ll be reduced depends on your work history. But one rule that generally applies is that your Social Security retirement benefits cannot be cut by more than half the size of your pension. And the WEP does not apply to survivor benefits. If you’re married and die, your dependents can get a full Social Security payment, unless your spouse has earned his or her own government pension for which they didn’t pay Social Security taxes. If that’s the case, Social Security has another rule known as the Government Pension Offset (or GPO) that affects spouses or widows/widowers benefits. Under the GPO, spousal and survivor benefits will be cut by two-thirds of the amount of their pension. And if their pension is large enough, their Social Security spousal or survivor benefits will be zero. There are a few exceptions to these rules most of which are based on when you entered the Social Security workforce. Why Do These Rules Exist? According to the Social Security Administration, the reason Congress created the WEP (in 1983) and GPO (in 1977) was to create a more equitable system. People who get both a pension from non-Social Security work and benefits from Social Security-covered work get an unfair windfall due to the formula of how benefit amounts are calculated. These rules ensure that government employees who don’t pay Social Security taxes would end up with roughly the same income as people who work in the private sector and do pay them. For more information on the WEP visit SSA.gov/planners/retire/wep.html, where you’ll also find a link to their WEP online calculator to help you figure out how much your Social Security benefits may be reduced. And for more information on GPO, including a GPO calculator, see SSA.gov/ planners/retire/gpo.html. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

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