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I’m Already Collecting Social Security – How Will My WEP Reduction be Calculated?
Columns/Opinions
February 19, 2025
I’m Already Collecting Social Security – How Will My WEP Reduction be Calculated?

Dear Rusty: I don’t understand exactly how the Windfall Elimination Provision (WEP) works for my situation. I turned 62 in 2017 and am currently still working in a “non-covered” job, not paying into Social Security, but from which I will get a government pension when I retire. I began collecting Social Security at my full retirement age in 2021 and am now collecting $1507 per month thanks to the cost of living adjustments since I started. Will my Social Security benefit be reduced by $587 if I retire this year? Signed: Confused by WEP Dear Confused: You’re certainly not alone to be confused by WEP, and your situation is somewhat special because you started your SS benefits before taking your “non-covered” government pension. And, unfortunately, most tools and charts which suggest how much WEP will reduce your Social Security benefit don’t accommodate that nuance very well.

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