Originally Posted by Chuckanut
If she can work in a job that pays SS taxes, that will minimize WEP reductions. IIRC, WEP is not On or Off. The more years one pays into SS the less the WEP reduction. At some point, WEP is no longer applied.
It takes 30 years of substantial earnings for WEP not to apply.
The WEP starts to taper off, 5%/year, at 20 years of substantial earnings.
There’s a chart on the SS site that shows substantial earnings amounts for each year.
It’s great, OP, that you’re aware of the WEP and can help your sister prepare.
I have a couple of teacher friends who took on teaching jobs later in life, to earn a pension.
When the WEP whacked their SS, it came as quite a surprise.
One of them has been working a small job in retail for 3 more years, after her 2nd retirement, because of this surprise that I told her about.