Skip to Content

Here's how to tell whether you may be impacted by GPO/WEP

Windfall Elimination Provision:

Do you currently work, or have you previously worked, or are you planning to work in the future in a public sector job (including public educators, police officers, firefighters, state and local government workers) that is NOT covered by Social Security – that is, Social Security taxes are/were/will not be withheld from your paycheck?
 
If so, are you currently drawing, or will you draw in the future, a government pension from that job?

And, are you also entitled to a Social Security retirement or disability benefit from another job – either a part-time or summer job or a previous job for which you paid into Social Security?
 
If you answered yes to the above questions, you may be impacted by the WEP. 
(Note – there are exceptions, particularly for people who have more than 30 years of qualified employment covered by Social Security – learn more.)

Government Pension Offset:

Do you currently work, or have you previously worked, or are you planning to work in the future in a public sector job (including public educators, police officers, firefighters, state and local government workers) that is NOT covered by Social Security – that is, Social Security taxes are/were/will not be withheld from your paycheck?

If so, are you currently drawing, or will you draw in the future, a government pension from that job?

And, are you entitled to a Social Security survivor benefit based on Social Security taxes your spouse paid while working in the private sector (benefits you would receive based on your spouse’s earnings if he or she dies)?
 
If you answered yes to the above questions, you may be impacted by the GPO.