Ask Larry

Non-Covered Pension - WEP / GPO

Will My Spousal Benefit Be Less Than 50% Of My Husband's If I'm Affected By WEP?

My husband and I will both be affected by the WEP reduction. I have less than 20 years of substantial contributions, and he has closer to 30. Will my spousal benefit be less than 50 % of his reduced benefit because I have less years of substantial contribution?

I've looked and looked for an answer to the question and have been unable to find it. Thank you for your help.


Monday, February 5, 2018 - 06:48

Do I Have A Case To Challenge Social Security's Determination?

I worked in the US for 10 years on a green card and, for the last 20 years in France (having given up my green card) - paying in to the AGIRC/ARRCO private pension program. Being 66, I have returned to live in the US on a new green card and applied for my US pension highlighting that I receive a French private pension. My former "estimate" of $1,480 for my US pension has been reduced to $1,100. I believe that AGIRC/ARRCO, being personal paid programs (like, I believe, IRA/401K) are should NOT be treated like a formal "state" pension from France (which I do not receive).

Sunday, February 4, 2018 - 09:53

Will I Get Both US & German Social Security?

I have worked 12 years in Germany and will receive a company pension, I also paid German social security during this time. I also have paid in 34 years of US social security, 31 of those meeting substantial payments in the given year. My question, as I meet the 30 year substantial payment test, will I get both US Social Security and a small German Social Security that I am intitled to for my 12 years? Thanks


Saturday, February 3, 2018 - 16:11

Is It True That WEP Won't Apply Until I Start Receiving My UK Pension?

Hello Larry,

I am a UK Citizen. I retired last year at age 60 after working in the US since 2004. I have now given up my US residency and am living in the UK and Australia. I am eligible for Social Security and am now trying to understand how my UK state pension ( for which I am also eligible) will affect my social security payments.

Is it true to say that if I elect to take my social security at age 62 WEP will not apply until I start receiving my UK State pension at age 66?

Saturday, February 3, 2018 - 08:47

Which Is The Correct Answer?

Hi Larry, I will be receiving a % of my ex husbands pension when he retires. When I contacted social security the first agent said even though they were not my earnings I would fall under wep because I was considered "entitled" to a pension. The second time I called they said I would not because they were not my earnings. What is the correct answer?


Tuesday, January 30, 2018 - 10:12

Would GPO Affect My Divorced Widow Benefits?

I have been collecting my SS since the age of 65 which was reduced because of the WEP provision. I retired from UCI Medical Center but retained my Orange County Medical Center retirement benefits after UCI purchased the hospital. I worked under that retirement system from 1971 to 1991 and did not pay into SS under that system I was married from 1966 until 1986 until I was divorced. I moved to Arizona and worked mostly part time at another hospital in 1992 until my retirement in 2013.

Tuesday, January 30, 2018 - 09:58

Will My Wife Be Eligible For Widow's Benefits From My Record?

I am receiving full Social Security benefits. My spouse will be receiving, when she retires, within the next 5 months, proceeds from a 401(a) program. Her employer a municipality, elected the 401 (a) in lieu of participating in SS. Both her and employer contribute. She does not have enough credits to receive a Social security retirement on her own.

Thursday, January 18, 2018 - 09:56

Will My Pension From Oregon PERS Affect My Social Security Benefits?


I am a retired police officer and paid social security taxes all 20 plus years I worked for the Hillsboro Police Department. Will my pension from Oregon PERS be effected my Social Security benefits?

Thank you!

Hi Roger,

I'm not sure whether you mean that you paid Social Security taxes on your earnings as a police officer, or if you mean that you worked other jobs on which you paid Social Security taxes. Nor am I familiar with the Oregon PERS plan.

Tuesday, January 16, 2018 - 10:45
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