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.

Non-Covered Pension - WEP / GPO

May 25, 2023

Will I Be Eligible To Collect Benefits From My Deceased Husband's Social Security If The Windfall Act Is Repealed?

May 18, 2023

Is My Social Security Affected By My Canadian Pension?

May 18, 2023

Am I Subject To The WEP Or GPO?

May 10, 2023

How Do I Get My Money Back?

May 7, 2023

Could I Use Your Software To Calculate My WEP PIA In Order To Determine If The Amount That Social Security Calculated Is Correct?

May 4, 2023

How Should I Approach SSA To Reconcile My WEP Calculation?

May 2, 2023

Can A Person Receive SSDI and CPP Disability Benefits?

April 24, 2023

Will My CALSTRS Pension Cause My Wife's Social Security Benefits To Be Reduced?

April 12, 2023

When Will My Sister's OPERS Pension Create A WEP Reduction?

April 5, 2023

Will My U.S. Benefits Be Reduced By More Than The WEP Chart Amount If That's Less Than 50% Of My German Retirement Benefit?

March 14, 2023

Will My Benefit Amount Be Reduced By WEP Or GPO Because Of The Survivor Pension I Receive From The U.K.?

March 11, 2023

Will My U.K. Pension Affect My U.S. Social Security Benefits?

February 22, 2023

Does WEP Still Apply To Me?

February 19, 2023

Will My CPP Pension Cause My U.S. Spousal Benefits To Be Reduced By WEP?

February 15, 2023

Will It Cancel My WEP Exception If I Return To A Non-Government SS Covered Job?

February 13, 2023

How Can I Determine My Social Security Benefit Amount If I Receive An STRS Pension?

February 11, 2023

Did You Know That WEP & GPO Use Different Actuarial Values For Prorating A Lump Sum Payment?

February 10, 2023

When Can Social Security Deduct A Person's WEP?

February 7, 2023

What Are Your Thoughts On My WEP Situation?

February 5, 2023

How Much Will My Wife's Benefit Rate Be Reduced By WEP?

January 21, 2023

How Much Will WEP Affect My Spousal Benefit?

January 19, 2023

Should I Take A Part-Time Job To Get To Thirty Years Of Substantial Earnings So That I'm Exempt From WEP?

January 19, 2023

If I Retire From TRS Will I Lose What I Receive From My First Husband's SS?

January 15, 2023

Why Should The Work I Did In Ireland Have Anything To Do With My U.S. Social Security Benefits?

January 14, 2023

Is It Correct That My Wife's UK Pension Will Not Be Used In Any WEP Calculations?

January 14, 2023

Is It Correct That My Wife's UK Pension Will Not Be Used In Any WEP Calculations?

January 12, 2023

Will My Wife's UK Pension Affect Her Spousal Benefit Due To WEP?

January 9, 2023

Will Receiving A Percentage Of My Ex-Husband's Pension Cause My Social Security Benefits To Be Reduced By WEP?

January 2, 2023

What Is The Formula Used To Calculate The Amount Of WEP Reduction?

December 17, 2022

Can You Offer Any Insights On My Wife's Appeal?

December 15, 2022

Is It Possible That My Wife's Total Social Security Benefit Amount Could Be Reduced By 117% Of Her School Pension Amount?

December 16, 2022

Shouldn't My Benefit Amount Be Higher Due To The WEP Guarantee?

December 14, 2022

Is There A Cutoff Age For Reducing The WEP Reduction?

December 8, 2022

What Can I Do If I Think That Social Security Made A Mistake In Calculating My Benefit Amount?

December 4, 2022

Would My Canadian Pension Be Subject To WEP And GPO?

December 2, 2022

Where Can I Find The Earnings Amount That Will Qualify As Substantial Earnings In 2023?

November 23, 2022

Would My Pension Plan In The U.K. Count As A Pension Subject To The Windfall Elimination Provision?

November 8, 2022

Would I Be Better Off Taking Out My Teacher Retirement System Contributions And Quitting Before I Reach Retirement Age?

November 8, 2022

How Often Does SSA Update Their WEP Calculations When Foreign Pensions Are Involved?

November 3, 2022

Do Partial Years Count Towards The 30 Year Substantial Earnings Exception?

October 22, 2022

How Could My Foreign Benefits Affect My U.S. Social Security Benefits?

September 16, 2022

Will My CPP Cause A Deduction In My Spousal Benefit Due To WEP Or GPO?

August 29, 2022

Can I Be Penalized Twice For The 2/3rds Rule?

August 26, 2022

What Are The Implications For Me As A Public Servant Who Doesn't Pay Social Security Taxes?

August 26, 2022

Why Does The Windfall Act Affect Me?

August 8, 2022

Does The WEP Reduction Apply During Suspended Status?

August 8, 2022

Will I Be Able To Collect Spousal Benefits If I Fall Under The Windfall Elimination Provision?

August 3, 2022

Can I Get Spousal Benefits?

August 3, 2022

Will My Wife Be Able To Get My Benefits When I Die?

August 2, 2022

Is There Any Possible Way Around The Government Pension Offset?

July 27, 2022

Would My Own SS Amount Be Reduced If I Collect A TRS Survivor Pension?

July 14, 2022

Can You Suggest A Financial Planner Who Can Assist Me With A WEP Appeal?

July 5, 2022

Can I Apply For Benefits From Both The U.S. And The U.K.?

June 10, 2022

Will My Divorced Spousal Benefits Be Exempt From WEP?

June 8, 2022

How Can Social Security Deduct WEP Before I Retired And Received My Pension?

June 7, 2022

Can I Collect A Spousal Or Survivor Benefit?

June 1, 2022

Will GPO Apply My Son Inherits My State Pension?

May 25, 2022

Can You Help Me Understand Why The Social Security Administration Considers Me To Be Double Dipping?

May 23, 2022

Why Should My 401(a) Plan Be Called A Pension?

May 23, 2022

Am I Shooting Myself In The Foot By Working Where I Don't Pay Social Security Taxes On My Earnings?

May 19, 2022

Will WEP Affect The Amount Of My Benefits From My Deceased Husband's Record?

May 17, 2022

Will WEP Cause A Major Reduction In My Totalization Benefit?

March 31, 2022

Why Is Social Security Advising My Client To Apply For Her Own Benefit If She's Getting A Higher Widow's Benefit?

March 31, 2022

Can You Confirm That The Lump Sum Payout I Received In Lieu Of A Public Pension Won't Affect My Spousal Benefits?

March 29, 2022

Why Can't My Mother Get Half Of My Father's Benefit Amount?

March 25, 2022

Does Social Security Recalculate WEP Every Year To Take Away Your State Pension COLA?

March 22, 2022

Can I Claim Social Security Benefits Now Without A WEP Offset?

March 11, 2022

How Is The WIndfall Elimination Provision (WEP) Fair?

March 9, 2022

Can I Collect A Canadian Pension And My U.S. Social Security Benefits?

March 4, 2022

Am I Subject To A WEP Reduction Even Though I Took A Lump Sum Payout A Long Time Ago?

March 1, 2022

Will I Have To Pay Money Back If I Start Drawing My UK Pension Four Years Prior To Starting My U.S. Benefits?

February 18, 2022

Do I Have To Report My German Pension To Social Security?

February 14, 2022

How Does The IRS Acquire The Information Needed To Calculate The WEP Guarantee?

February 5, 2022

How Can I Check With SSA To See Whether Or Not They Have Accurate Information About My Non-Covered Earnings?

February 4, 2022

Would It Be Better To Rollover My Teacher Retirement Funds To An IRA?

February 4, 2022

Will WEP Apply If I Claim Benefits Under My Husband's Social Security Record?

January 24, 2022

Is It Correct That My Wife's Canadian Pension Won't Affect Her Spousal Benefits From The U.S.?

January 6, 2022

Will My Wife And I Be Subject To Any Clawbacks When We Claim Our Benefits?

January 3, 2022

Why Do We Need To Report Pensions To Social Security?

November 27, 2021

Will We See Justice Done Soon?

November 17, 2021

What Kind Of Documentation Will I Need To Submit To Prove That I Meet A GPO Exception?

November 14, 2021

Is There Any Chance That The Current WEP Law Will Be Eliminated?

November 3, 2021

Will Any Of My Options With Regard To My Non-Covered Pension Make A Difference For WEP Purposes?

November 2, 2021

If My Ex-Husband Is Subject To WEP Will My Divorced Spouse's Benefit Be Reduced As Well?

November 2, 2021

Do You Have Any Experience With People Like Me Who Have A German Pension?

October 15, 2021

Is It Correct That I Wouldn't Have A WEP Deduction If My Pension Ends Before My Social Security Payments Start?

October 10, 2021

When I Retire From Teaching Will My Monthly SS Payments Be Reduced?

September 22, 2021

Can Social Security Reduce My Spousal Payment?

September 16, 2021

Will I Be Able To Collect From My Ex-Wife's Record Or Will That Be Subject To The Windfall Elimination Provision?

September 10, 2021

Does It Sound Like I'm Safe From A WEP Reduction?

September 9, 2021

Why Did My SS Benefit Go Down?

September 1, 2021

Doesn't The Governmental Pension Offset Only Apply To U.S. Federal, State Or Local Government Workers?

September 1, 2021

Why Won't Social Security Pay Me My Deceased Husband's Benefits?

August 9, 2021

Why Won't I Receive Full SS If I Get A Pension From The City Of Birmingham?

July 21, 2021

How Much Will My Wife's Benefit Rate Decrease Because Of Her Pension?

July 18, 2021

Will I Be Subject To The WEP Reduction?

July 3, 2021

Will The Benefit I Get From Brazil Negatively Impact The Amount I'll Receive From Social Security?

June 30, 2021

Will I Be Able To Get Any SS As A Spouse?

June 30, 2021

Will My Wife Be Subject To WEP/GPO?

June 12, 2021

Which Takes Priority, WEP or GPO?

About the Author

Laurence J. Kotlikoff 

Laurence J. Kotlikoff is a William Fairfield Warren Professor and Professor of Economics at Boston University, a Fellow of the American Academy of Arts and Sciences, a Fellow of the Econometric Society, and a Research Associate of the National Bureau of Economic Research.
Professor Kotlikoff received his B.A. in Economics from the University of Pennsylvania in 1973 and his Ph.D. in Economics from Harvard University in 1977. Kotlikoff is the Director of the Fiscal Analysis Center.
A New York Times Bestselling author, he has written nineteen books and hundreds of professional articles and op-eds. He is a frequent television and radio guest. His columns have appeared in the New York Times, Wall Street Journal, London Financial Times, the Boston Globe, Bloomberg, Forbes, Yahoo.com, Fortune, and other major publications. In 2014, The Economist named him one of the world's 25 most influential economists