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Use the WEP Online Calculator or the Detailed Calculator to estimate your benefit. The Government Pension Offset (GPO) reduces benefits you may be eligible to receive based on your spouses work record. This reduction does not affect your spouses benefits.
What is the GPO rule?
BACKGROUND: The Government Pension Offset ( GPO ) adjusts Social Security spousal or widow(er) benefits for people who receive non-covered pensions. A non-covered pension is a pension paid by an employer that does not withhold Social Security taxes from your salary, typically, state and local governments or non- U.S.
How much does GPO reduce Social Security?
How much will my Social Security benefits be reduced? Well reduce your Social Security benefits by two- thirds of your government pension. For example, if you get a monthly civil service pension of $3,000, two-thirds of that, or $2,000, must be deducted from your Social Security benefits.
Can I avoid the windfall elimination provision?
If a worker has 20 or more years of substantial earnings in which they paid into Social Security, then the effect of the WEP begins to decrease. If a worker has 30 or more years of substantial earnings in which they paid into Social Security, then there will not be a WEP reduction in their Social Security Benefit.
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