So if she had stopped working her private sector job when she did and never gotten a public job or another private sector job her SS check would have been double what it currently is.
oldtimer said:
But then she would not have her government pension.
I do not think you understood the point. Here's an analogy.
Oldtimer worked for three private employers. At retirement he/she believes they will earned three 401(k)'s, Social Security contributions from all three employees, and two pensions.
But in order to "save" Social Security one session of Congress decided to expand the the population affected by the Windfall Elimination Provision to include ALL people with multiple sources of retirement income.
Oldtimer discovers that the WEP change meant that the Social Security benefits schedule was now based on their
total retirement income and since Oldtimer has so many retirement income sources, Oldtimer is presumed to be able to afford to collect less Social Security than previous generations.
Oldtimer writes letters, makes speeches, and otherwise complains loudly and widely that
"I paid that money into Social Security and I should be allowed to collect the full benefit."
His union even jumps into the fray. Every year Oldtimer's Congressional representative introduces a bill to eliminate the WEP but it never makes it to a vote.
Oldtimer's estimated benefit as shown on the Social Security site is cut in half and the little footnote on the SS site says "This estimate does not take into account any impact caused by having other retirement accounts."
In summary, private sector employees are permitted to collect 100% of their Social Security earnings, 100% of their employer pensions, and 100% of their 401(k) and similar savings.
But public sector employees are penalized if their state did not take Social Security taxes out of their paycheck.
Rather than just counting those as $0 contribution years, a special penalty is applied that, in some cases, can result in the complete loss of all Social Security earnings if less than 20 years was spent in private sector employment. (My wife had 18 years of private sector employment.) 20 years and up is a sliding scale that saves some SS benefits but not the full amount until 30 years of private sector employment is attained.