Ask Larry

Will My Wife's Spousal Benefits Be Affected By Her Canadian Pension?

My wife receives a small Canada pension plan payment. She has no W-2 earnings after living in the USA for over 25 years.

I just applied for Social Security and she applied for her spousal benefit at her full retirement age. Will her spousal benefit be affected by her Canada pension plan payment. (Does the windfall elimination provisions apply).
I am not collecting any CPP payments. Thank you

Hi,

No, your wife's spousal benefits won't be affected by her Canadian pension. The Windfall Elimination Provision (WEP) only applies to Social Security retirement or disability benefits, not auxiliary (e.g. spousal) or survivor benefits. The Government Pension Offset (GPO) provision (https://www.ssa.gov/pubs/EN-05-10007.pdf) does apply to auxiliary and survivor benefits, but foreign pensions are excluded from counting as a government pension for purposes of GPO.

Best, Jerry

Posted: 
Jul 11 2020 - 12:09pm
MaxiFi software running on a laptop
Get What's Yours!
Discover tens of thousands in extra retirement dollars with Maximize My Social Security software!
  • Find your maximized strategy
  • Unlimited what-ifs
  • Step-by-Step filing instructions
  • Our software's lifetime-benefit increase for an illustrative couple earning $65K each and planning to take retirement benefits at 62.

    Results will differ based on your specific case and filing strategy.

Getting Started is Easy
Web-based software. Works on ALL browsers. No download.