Ask Larry

Non-Covered Pension - WEP / GPO

Will The Windfall Elimination Provision Affect My Wife's Social Security If I Receive A Public Pension?

I worked in law enforcement and have a public pension. My wife worked in a hospital and paid into social security. Does the Windfall Elimination Provision affect my wife’s social security ?

Hi. No. The only way that the Windfall Elimination Provision (WEP) could affect your wife's Social Security retirement benefits is if she receives a pension based on her own earnings that were exempt from Social Security taxes.

Best, Jerry

Posted: 
Friday, June 4, 2021 - 19:14

What Can Be Done To Repeal WEP?

Larry,

What can be done to repeal WEP?

Hi. Congress amended the Social Security law to add the Windfall Elimination Provision (WEP) in 1985, and only Congress has the power to amend or repeal the provision. The only action I could suggest is to contact your congressional representative and U.S. senators to express your support for removing the provision from the Social Security law.

Best, Jerry

Posted: 
Saturday, May 29, 2021 - 08:59

How Can I Avoid Or Minimize The WEP Reduction To My Retirement Benefit?

I was an adjunct professor at a community college for 7 years while concurrently working part time as an apartment manager for low income families (for 15 years). Both jobs were low paying, and I needed both to make ends meet and pay rent in Los Angeles. I am still in my early 40s and unemployed due to the pandemic. I am reassessing my career and thinking about changing. How can I avoid or at least minimize the wep deduction to my retirement.

Posted: 
Saturday, May 8, 2021 - 09:13

Can Anything Be Done About The Reduction To My Widow's Benefit Amount?

Larry,
I retired from a State job in Nov.. 2018, shortly before my 70th Birthday. Until I retired, I was receiving all of my deceased husband's SS benefits as a widow. (He diied of cancer in Jan. 2015.)
As soon as I retired, my income fell drastically: my MA State pension is at 50% because I "only" worked for 20.5 years (from ages 50---70$. His SS benefit for me was cut from $2450. peri month to about $500..

Posted: 
Thursday, May 6, 2021 - 08:34

Will Receiving Payouts From My 403(b) Plan Count For The Windfall Elimination Provision?

When applying for SS (my age is 66) and I paid into SS before and after my Church Pastoral Ministry,but was SS exempt during my ministry years, and I paid into a 403b9 program called Guidestone Retirement Resources, would this future payout (will apply for this payout in a year or so) be subject to SS scrutiny or Windfall Elimination Provision.

Posted: 
Wednesday, May 5, 2021 - 10:00

Why Was I Penalized For Having A Post Office Pension?

I was in the Army from 1965-1967. I applied for SS at age 62. I had all my quarters in SS before I worked for the post office. When I applied they told me I would receive $950.00 per month but because I retired from the PO they had to take some away. 15 year later I am only receiving $546. Why was I penalized for having a PO retirement? Also how do I know if I was credited for my military time? Thanks for any help.

Posted: 
Tuesday, April 27, 2021 - 11:03

Will I Still Be Affected By The Windfall Provision Even If I'm Not Receiving A TRS Pension?

My financial advisor is looking into having me terminate all history with TRS. I worked prior to accepting a job in a district that pays into TRS AND NOT Social Security for 14 years . Currently I’m working at a college and I pay and I both Social Security and TRS. If I cash out my TRS and take that 20% here and be done with them all together when it becomes time for me to retire well I still be here by the Wynfall illumination even though I’m not receiving a pension through TRS?

Posted: 
Tuesday, April 27, 2021 - 09:09

Will My Wife's Spousal Benefits Be Reduced When She Starts Receiving Her UK State Pension?

My wife and I are US citizens aged 68 and 67. We both worked in the UK for 30 years. I am receiving a UK state pension and a US social security pension which is reduced by the WEP. My wife receives a US spousal pension ( she did not have enough points to apply for a SS pension) which was determined at the same time as my WEP reduced pension.
My wife is entitled to a UK state pension. When she claims that will she need to notify the SSA and will it reduce her spousal pension?
Regards
William

Posted: 
Thursday, April 22, 2021 - 15:24
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.