Ask Larry

Our Social Security experts have answered more than 10,000 questions about Social Security over many years. Search for your questions and answers here.

Is CPP The Reason Why My U.S. Benefit Amount Is Low?

I receive social security from the US.
US citizen and get CPP as permanent resident Only worked short time in Canada. Worked all my life in US.. I feel I am collected a low amount from US. Is this CPP the reason? Should I inquire to US SECURITY? Thank you



Hi. Possibly. It sounds like your U.S. Social Security benefit might be affected by the Windfall Elimination Provision (WEP). WEP can cause a person's retirement benefit rate to be computed using a less generous calculation formula if they also receive a pension that's based on their earnings that were exempt from Social Security taxes (https://www.ssa.gov/pubs/EN-05-10045.pdf).

You should be able to find out if WEP is causing your benefit rate to be reduced by contacting Social Security.

Best, Jerry

Posted:
January 6, 2022