Question regarding WEP's impact on Social Security and my Years of Substantial Earnings.
I currently have 28 years of substantial earnings; 30 years wipes away WEP impact. I can reach 29 years, by working until the end of May 2020, and 30 years by working until May 2021. I'll be 64 in two months, and my SS FRA is 66 and 2 months. I have a pension and fully paid retiree health insurance, and work only to complete the 30 years of substantial earnings. I also contribute the max to a 401k at current job. I plan to draw SS at FRA. My question: solely from a WEP impact perspective, and not considering the increase in SS payments from continuing to work, is it worth it for me to continue working only to reach 29, or 30, years of substantial earnings? Will either of those milestones make a significant difference in SS payments, as opposed to 28 years? Thanks!