Social Security WEP/GPO repeal - Do I need to reapply for spousal benefits?
I retired from teaching in 2012 and started drawing my Social Security benefits the same year. My benefits were reduced because of both the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) since I get a pension from my teaching career where I didn't pay into Social Security. With all this talk about the WEP/GPO repeal in 2025, I'm confused about what happens to my spousal benefits. When I applied back in 2012, they told me I was automatically filing for all benefits I was eligible for (deemed filing). My husband has always made more than me, so his SS benefit is higher than mine. Do I need to submit a new application for spousal benefits once the repeal takes effect? Or will SSA automatically recalculate my benefits because I was considered to have filed for both retirement and spousal benefits back in 2012? I'm 76 now and don't want to miss out if there's something I need to do.
15 comments
Ravi Kapoor
The WEP/GPO repeal is the best thing to happen for us public servants in decades!!! I've been watching this legislation like a hawk and from what I understand, SSA will NOT automatically recalculate anything - you NEED to contact them after the repeal goes into effect. The squeaky wheel gets the grease with these people. Be prepared for them to have NO CLUE what you're talking about when you call though.
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Isabella Oliveira
•Oh goodness, that's what I was afraid of. Do you know when exactly I should contact them? Right after January 1st or should I wait a few weeks to let them figure things out internally first?
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Freya Larsen
I'm in a similar situation (retired police, drawing SS since 2011) and have been researching this question everywhere. From what I've gathered, the deemed filing that occurred in 2012 means you were technically already applied for spousal benefits, but they were reduced or eliminated by GPO. When the repeal takes effect, SSA should theoretically recalculate your benefit without the GPO reduction automatically. However, I wouldn't trust them to do this without prompting. My plan is to contact them after the repeal takes effect to ensure my benefits are properly recalculated. I'd suggest keeping documentation of your original application if you have it, which would show you applied for all benefits you were eligible for at that time.
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GalacticGladiator
•While SSA should theoretically recalculate benefits automatically after the WEP/GPO repeal, the reality is that their systems and staffing aren't equipped for this kind of mass recalculation. The deemed filing that occurred in 2012 means you technically applied for all benefits you were eligible for at that time (retirement and spousal), but GPO reduced or eliminated the spousal portion. My recommendation is to contact SSA approximately 4-6 weeks after the repeal takes effect. This gives their internal systems time to update, but doesn't let too much time pass. When you contact them, specifically request a recalculation of your benefits in light of the WEP/GPO repeal, mentioning that you were subject to deemed filing in 2012 which included spousal benefits. Bring documentation showing your original benefit calculation and any paperwork showing how WEP/GPO affected your payment amounts.
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Omar Zaki
my friend's wife had the same problem with wep gpo. she called ss like 5 times and finally got someone who knew what they were talking about. apparently your benefits don't automatically change you have to ask them to recalculate. good luck getting through to them tho!! took her weeks of calling
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Isabella Oliveira
•Ugh, that sounds frustrating. I already have trouble hearing on the phone so the thought of calling repeatedly and waiting on hold makes me anxious. I wonder if visiting the local office would be better?
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Chloe Taylor
The WEP/GPO repeal is going to create a massive workload for SSA. I've been helping clients prepare for this change, and here's what you need to know: 1. Yes, you were subject to deemed filing in 2012, which means you technically applied for both retirement and spousal benefits at that time. 2. However, the GPO likely reduced your spousal benefits significantly or eliminated them entirely. 3. When the repeal takes effect, SSA will need to recalculate benefits for millions of people. 4. While they should do this automatically, their systems aren't designed for this kind of mass recalculation. 5. You should proactively contact SSA after the repeal, but expect extremely long wait times and difficulty reaching representatives. 6. Bring documentation showing your original benefit application and how WEP/GPO affected your amounts. 7. Be prepared to explain the situation multiple times, as many SSA representatives may not be fully trained on the repeal implications. Also, remember that the repeal's implementation timeline could be phased, so benefits might not change immediately on January 1st.
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Isabella Oliveira
•Thank you for such a thorough explanation! This makes much more sense now. I'll start gathering my documentation. Do you think I should contact my local office or call the main number when the time comes?
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Diego Flores
I feel your pain! I tried calling SSA about my WEP situation last month and spent THREE HOURS on hold only to get disconnected. Then I discovered Claimyr (claimyr.com) and it changed everything! They got me connected to a real SSA agent in less than 10 minutes. You might want to check out their video demo: https://youtu.be/Z-BRbJw3puU When the repeal goes into effect, SSA is going to be absolutely swamped with calls. Having a service that can actually get you through to a representative quickly will be worth it. I'm planning to use them again when I need to deal with my WEP recalculation.
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Anastasia Ivanova
•Does that service really work? I've been trying to reach someone at SS for weeks about my disability review and keep getting disconnected. Getting pretty desperate at this point.
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Diego Flores
•It worked great for me! The video shows exactly how it works. Basically they wait on hold for you and call you when they reach a real person. Saved me hours of frustration, especially since my phone kept dropping the call after long hold times.
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Isabella Oliveira
Thank you all for the helpful responses. I'm going to gather my original paperwork from 2012 and wait until at least February to contact SSA about recalculating my benefits without the WEP/GPO reductions. I'll try my local office first since I've had better luck there in the past, but if the lines are too long I might try that Claimyr service someone mentioned. I'm relieved to hear I don't need to submit a whole new application since I was already deemed to have filed for spousal benefits back in 2012. Just need to make sure SSA actually does the recalculation!
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Ravi Kapoor
One more thing - print out a copy of the actual legislation repealing WEP/GPO and take it with you when you go to the SSA office. I've learned from dealing with them for years that many employees don't stay updated on policy changes. Having the actual law in your hand can save you from being given incorrect information. And if the first person you talk to seems confused, politely ask to speak with a technical expert or supervisor who specializes in WEP/GPO issues.
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Isabella Oliveira
•That's excellent advice, thank you! I'll definitely print out the legislation. Better to be overprepared than struggle to explain something they might not be familiar with yet.
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Anastasia Ivanova
my mom had gpo affect her widows benefit for years. shes so excited about the repeal but scared about dealing with ssa. will let u know how it goes when she tries in january!
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