Non-Covered Pension - WEP / GPO

Will My Divorced Widow's Benefits Be Impacted By My Pension From The School System?

I am planning to take divorced widow's benefits at age 60 and then my own retirement benefit at age 70.
At age 65, I also have a miniscule pension from the school system I worked for briefly (paid into PERA and not into Social Security). I understand my own retirement benefit which I plan to take at 70 will be WEPed but by no more than 50% of my pension amount. I have less than 20 years of substantial earnings.
My deceased ex-spouse never worked for any employer that did not withhold social security tax. He had 28 years of substantial earnings.

Would My Wife's Widow's Benefits Be Subject To The Government Pension Offset Provision?

Hi Larry,
My wife is receiving social security reduced by Windfall Elimination provision (WEP) because she taught for 20 years in a state that had its own retirement system for employees. In looking at future scenarios, it appears she would be subject to Government Offset Provision on widow's benefits based on my social security. Is that correct? If so, doesn't that seem a bit unfair to penalize benefits based on my earnings record?


Does Social Security's WEP Rule Affect Widow's Benefits?

Hi Larry. I was a teacher in California for 15 years and currently self employed, age 62. I have been collecting STRS, the teacher’s retirement since age 55. My husband, age 75, passed way 6 months ago. Does the SS WEP rule affect widow’s benefits? I plan to work at least to age 67, 70 if I remain in good health but not sure when to claim the widow’s benefits. It’s all very confusing. I have tried your software but unable to input the STRS numbers. Any advise would be much appreciated. Thank you.


I'm sorry for your loss.

Will Both Of My Pensions Count For The Windfall Elimination Provision?

Hi Larry, I am 67 and a UK national, and have resided and worked in the US since 2000 as a legal resident. I have paid social security taxes all that time. I have retired in 2019 and plan to claim social security this year.

I also have a UK government state pension (social security equivalent) as well as an annuity pension from a UK employer prior to 2000. I contributed to both through UK taxes and employer salary deductions.

Are both assessed when calculating any windfall elimination provisions.

Thank you