Some Federal employees and employees of State or local government agencies may be eligible for pensions that are based on earnings not covered by Social Security.
If you didn't pay Social Security taxes on your government earnings and you are eligible for Social Security benefits, the formula used to figure your benefit amount may be modified, giving you a lower Social Security benefit.
The "How It Works" section of the Windfall Elimination Provision (WEP) fact sheet explains the formula Social Security may use to modify your benefit amount.Note: Some government pensions do not affect your benefit amount when you apply on your own record.
How the Windfall Elimination Provision Can Affect Your Social Security Benefit provides a chart to show how your benefit amount changes based on your years of substantial earnings and the year you became eligible for benefits.
Note: You can find a table that lists the amount of substantial earnings for each year at the bottom of the second page of our Windfall Elimination Provision fact sheet.
Use the WEP Online Calculator to calculate your estimated retirement or disability benefits if you are affected by the WEP.
- Frequently Asked Questions about WEP.
The Government Pension Offset (GPO) fact sheet explains how your pension may affect your benefit on your spouse's record.Note: Some government pensions do not affect your benefit on your spouse's record.
Use the GPO Online Calculator to calculate your estimated benefits as a spouse, widow or widower if you are affected by the GPO.
- Frequently Asked Questions about GPO.