Windfall Elimination Provision (WEP)
An amount up to half the value of your pension can be cut from the Social Security you have earned in other work in which you paid the required FICA taxes.
Government Pension Offset (GPO)
If you are married to someone who is earning Social Security, you will probably lose all Social Security spousal or survivor retirement benefits due to you from taxes paid by your spouse during the marriage.
The Government Pension Offset and the Windfall Elimination Provision are penalties that negatively affect retirees who receive pensions from government agencies that do not participate in the Social Security system. Many of these retirees have earned Social Security retirement benefits from other work during their lifetimes or for being an eligible spouse. The GPO and WEP cut or totally eliminate their earned Social Security retirement benefits.
- Public employees affected include:
- Teachers in 15 states—AK, CA, CO, CT, GA, IL, KY, LA, MA, ME, MO, NV, OH, RI, TX.
- State, County, City and special district employees in 26 states.
- Federal employees who are on the CSRS retirement system in every state.
You Can Fight Back
A Government Job puts you at risk of losing Social Security Retirement Benefits. More than Two Million Retirees have lost some or all of their Earned Benefits.
WEP Affects Social Security Benefits
You can lose half or more of the Social Security retirement benefits you have earned in non-governmental work.