Ask Larry

Non-Covered Pension - WEP / GPO

Will My Wife's Social Security Benefits Be Reduced If She Receives A Survivor Pension That's Based On My Government Work?

Hi Larry, I will be receiving a local government pension for which I did not pay into Social Security. My wife does not have a pension, and will rely on what she has paid into Social Security. If I die and she assumes my pension, will that affect her Social Security income, or is she entitled to Social Security regardless of the pension because she paid into it separately?
Thank you, Doug

Hi Doug,

Posted: 
Saturday, July 4, 2020 - 10:02

Is The WEP Guarantee Based On U.S. Dollars?

The WEP guarantee says the reduction to my Social Security benefit cannot be more than 50% of my non-covered pension. My non-covered pension is the Canadian Pension Plan. Is that guarantee applied to the CPP converted to US dollars? For example, I worked less than 20 years in the US, but more than 20 years in Canada. Let's say my CPP is $800 (Canadian) which with the exchange rate is $584 (US). So is the WEP guarantee based on 50% of the $800 (Canadian) or $584 (US)? I cannot find anywhere in the SS documents that specifies whether I should convert my CPP to US dollars or not.

Posted: 
Saturday, July 4, 2020 - 08:27

Will My SS Benefits Be Reduced By WEP If I Get Part Of My Husband's Pension

My husband and I are getting divorced. He will receive a teacher's pension (non contributing to SS) when he retires, and as part of our settlement, I will also receive part of the pension. I have my own SS benefits, as I have worked in traditional jobs and paid into SS. He also worked for about 10 years in the corporate world and paid into SS. I understand that his SS benefits will be reduced because of WEP. My question is - will MY SS benefits that I earned on my own be subject to WEP also, because I will be receiving part of his pension when he retires?

Posted: 
Thursday, July 2, 2020 - 16:46

Will Either Of My Pensions Affect The Other?

I am 63 years old. I grew up and worked in Peru until I was 44 years old. I moved to the US in 2001 and have earned the 40 credits needed. Since I moved to the US I’ve continued contributing to the Peruvian Social Security as in independent contractor.
Now, due to a work related injury I became disabled and I want to apply for Social Security disability.
Would one pension affect the other?

Hi,

Posted: 
Wednesday, June 3, 2020 - 09:34
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