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THE MALDEN ADVOCATE–Friday, June 7, 2019 Page 17 OBITUARIES Esther P. (Sawyer) Nadeau First Nazarene Church of Malden. A longtime resident of Malden died peacefully in her sleep on Sunday, June 2, surrounded by the comfort of her loving family. Esther was born in Revere in 1926. One of five children, she was raised and educated in Revere. In 1946, Esther married her sweetheart, Edward Nadeau, and the two settled down in Malden together to raise their family. They shared over 35 years together until his passing in 1982. Esther worked with the City of Malden School Department, working in the cafeteria in the Linden and Daniels schools, and then for many years at Malden High School. She retired after 45 years when a disability forced her to step away. In later years when she moved to Suffolk Manor, she became an active member of the social groups there. Esther was also a longtime member of the She is survived by her daughters, Susanne M. Nadeau of Newburyport, and Pamela J. Nadeau of Reading, her grandchildren, Michael, Carly, and James, and her great grandchildren, Bianca and Marcos. Esther was preceded in death by her husband Edward, her mother, Fannie Sawyer, and her siblings, Victor Sawyer, Mary Nelson, June Crenshaw, and Ann Maccioli. Edward M. Kirby Samuel and Kate. In lieu of flowers, the family suggests that memorial contributions be made to the MSPCA-ANGELL, Attn: Donations, 350 South Huntington Avenue, Boston, MA 02130. Pauline Helen (Carvalho) Giglio 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 Of Wilmington, formerly of Malden, May 27. Devoted husband of the Adrianna (McKenzie). Beloved father of Michael E. Kirby and his wife Jeanne Argento of Danvers and Edward F. Kirby and his wife Holly of Wilmington. Brother of James Kirby of Everett and the late John and Katherine Kirby. Cherished grandfather of Kyle, Hannah, Of Malden, May 29. Beloved wife of the late Joseph S.D. Giglio. Loving mother of Pat Mirley and her husband Mark of Malden. Sister of Lorraine Callahan and her late husband Jack, the late John Carvalho and the late Mary Riley and her late husband John. She is also survived by many nieces and nephews and her furry grandson Murphy. Pauline was a longtime resident of Malden, a proud homemaker and an extraordinary cook and baker. She enjoyed crocheting and sharing her creations OBITUARIES | SEE PAGE 18 Home loans, designed with you in mind. LET US HELP FIND THE RIGHT MORT G AGE OPTION FOR YOU . FIXED RATE MORT G AGES— NO POINTS . 15 YEAR 3.625% R ATE 3.733% APR* E V ERET T – 419 BROADWAY LYNNFIELD – 7 7 1 SALEM STREET 61 7-38 7 - 1 1 10 30 YEAR 3.990% R ATE 4.051% APR* Learn more at EVERETTBANK . COM *Annual Percentage Rate (APR) is effective May 28, 2019 and is subject to change. All rates and APR’s are calculated based on a $250,000 loan for an owner-occupied single family dwelling with a 20% down payment. Rates are also based on Loan to Value and credit scores. The monthly principal and interest payment for a 15 Year fixed rate mortgage is $7.21 per $1,000 borrowed. The monthly principal and interest payment for a 30 Year fixed rate mortgage is $4.77 per $1,000 borrowed. Those payment do not included taxes and insurance. Your payment may be greater if the loan is secured by a first lien. Loans are subject to credit approval. NMLS #443050. 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 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 SecuriMember FDIC Member SIF ty 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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