Accidental or anybody,
Could you please educate me? I do not familiar with WEP and GPO in the above post...
WEP is Windfall Elimination Provision which reduces an individual's SS benefit if they receive a government pension.
GPO is Government Provision Offset which affects an individual who receives a government pension. This offset applies to their benefit as a spouse. So a government pension recipient can claim a spousal benefit on their spouses SS, but it is reduced by 2/3 of their own government pension.
There is a limit to the WEP depending on your own years of paying into SS, you can find a chart for that on SSA.gov. Last time I looked the GPO is 2/3 of your pension.
DH has a pension from the state pension system from working in county social services. If he had completed 40 quarters of SS his benefit would be reduced by WEP. I will have a SS benefit but if he tried to claim as my spouse the GPO would reduce it by 2/3 of his pension which is more than my SS benefit so he would get $0.
https://www.ssa.gov/planners/retire/wep.html
https://www.ssa.gov/planners/retire/gpo.html
If you or your spouse do not have a government pension then this will not affect your SS situation.
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