I am 65 and when I look under my SS benefits, it tells me I am entitled to small benefit. I have been on social security disability from Germany for the last 6 years. ( not a ton of money either). I read now something about WEP, which would mean I would not get nothing from SS in the US or even less from my SS disability from Germany, I do not pay taxes on my SS disability in Germany. Is this true?

Hi,

Not exactly. As long as you qualify for U.S. Social Security benefits based on your own work record your benefit rate would never be reduced to zero, even if the rate is reduced due to the Windfall Elimination Provision (WEP). WEP becomes involved if a person is receiving a pension based on their own work that was exempt from U.S. Social Security taxes, so it sounds like your Germany disability pension will likely subject you to WEP. For more information on WEP and it's exceptions, refer to the following Social Security publication (https://www.ssa.gov/pubs/EN-05-10045.pdf).

Our software (https://maximizemysocialsecurity.com/purchase) is fully programmed to handle computations involving WEP, so you may want to strongly consider using our software to determine your best strategy for maximizing your benefits.

Best, Jerry