Will Social Security Fairness Act eliminate WEP reduction from my UK pension?
I've been following the Social Security Fairness Act progress and heard it might be signed by President Biden soon. I'm really confused about how this affects my situation. I worked in the US for 16 years but also receive a pension from the UK (about £1,850 monthly) from my government job there. Currently, my US Social Security check is reduced by almost $485/month because of the Windfall Elimination Provision (WEP). If this new law passes, will my WEP reduction go away completely? Or does this only apply to US government pensions? I've tried calling SSA three times but keep getting disconnected after waiting 2+ hours each time. Anyone here know how international pensions are treated under the new legislation?
19 comments
Yara Campbell
Unfortunately, the Social Security Fairness Act is specifically designed to eliminate the WEP and GPO penalties for US federal, state, and local government pensions where Social Security taxes weren't paid. Foreign pensions like yours from the UK would still be subject to WEP reductions even if the act passes. The legislation targets public employees like teachers, firefighters, and other government workers within the US who have been affected by these provisions.
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Ella rollingthunder87
•That's so disappointing! I thought finally I'd get my full benefits. Do you know if there's any legislation being considered that would address foreign pensions? I paid into both systems fairly and it seems unfair I'm penalized.
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Isaac Wright
my husband had same situation with canadian pension and WEP. we thought fairness act would help too but our financial advisor told us no it wont change anything for foreign pensions, only for state workers in US. really stinks!!!
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Ella rollingthunder87
•Thanks for sharing your experience. It really does stink! I've contributed to both systems and now I'm being penalized. Did your financial advisor suggest any ways to appeal or work around this?
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Maya Diaz
The Social Security Fairness Act specifically targets the WEP/GPO provisions as they apply to public servants who earned pensions from non-covered employment within the United States. The bill's language focuses on "noncovered service which constitutes employment as a State or local government employee." Foreign pensions like yours from the UK fall under different sections of the Social Security Act and international agreements (totalization agreements). Your WEP reduction is applied because the UK pension system is considered "non-covered" under US Social Security laws. The US and UK do have a totalization agreement, but it doesn't eliminate WEP - it just prevents double taxation and helps establish eligibility when you don't have enough credits in one country. If you want definitive answers about your specific situation, you'll need to speak with SSA directly.
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Ella rollingthunder87
•Thank you for the detailed explanation. I appreciate you clarifying the difference between domestic non-covered employment and international pensions. I'll keep trying to reach SSA, but it's been incredibly difficult.
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Tami Morgan
When I tried calling SSA about my benefits I kept getting disconnected too! SOOOO FRUSTRATING!!! I finally used Claimyr (claimyr.com) and got through to an agent in 15 minutes instead of waiting on hold for hours. They have a video showing how it works at https://youtu.be/Z-BRbJw3puU. Seriously saved my sanity because I needed answers about my survivor benefits calculation and couldn't get through any other way.
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Ella rollingthunder87
•Thanks for the suggestion! I hadn't heard of this service before. At this point I'm desperate enough to try anything to get some clear answers about my international pension situation.
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Rami Samuels
•does that claimyr thing actually work? i've been trying to talk to someone at ssa for weeks about my disability review...
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Haley Bennett
The WEP is such a SCAM!!! I worked for 30 years, paid into SS for 22 years, then 8 years teaching and now they steal $400 from me every month!!!! They're robbing us blind while Congress does NOTHING!!!! They've been "about to pass" this Fairness Act for YEARS and nothing ever happens. Don't hold your breath waiting for them to fix anything!
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Douglas Foster
•Right?? My mom's been waiting on this bill to pass for like 10+ years. Every year they say "this is the year" and nothing happens. The whole system needs an overhaul. Ridiculous that they penalize people for having multiple careers.
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Maya Diaz
•While frustration is understandable, the WEP was actually created to address a specific issue - people with pensions from non-SS-covered work appeared to have low earnings in the SS system, which made them eligible for a higher replacement rate of their average indexed monthly earnings. The formula was designed to prevent what was seen as a "windfall," though many argue it's overly punitive. The Fairness Act aims to correct this perceived injustice.
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Rami Samuels
i think i heard somewhere that if you have 30+ years of substantial earnings under social security the WEP reduction goes away or gets smaller? maybe check if that helps your situation?
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Ella rollingthunder87
•Yes, I've read about that too, but unfortunately I only have 16 years of US earnings. If I had 30+ years, the WEP wouldn't apply at all. And with 20-29 years, it gets reduced on a sliding scale. But with only 16 years, I get hit with the full reduction. Thanks for the suggestion though!
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Maya Diaz
•That's correct. The WEP reduction is eliminated entirely with 30+ years of substantial earnings covered by Social Security. With 21-29 years, the reduction is lessened progressively. Unfortunately, with 16 years as the original poster mentioned, they would face the maximum WEP reduction, which in 2025 can reduce benefits by up to $612 per month (though the reduction cannot exceed 50% of the pension from non-covered employment).
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Tami Morgan
Dealing with international benefits is SO complicated! When my uncle retired with pensions from both US and Germany, it took him almost 8 months to get everything sorted out. Have you checked the US-UK totalization agreement details? Sometimes there are specific provisions for different countries.
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Ella rollingthunder87
•8 months?! That's awful. I've been digging through the totalization agreement, but the language is so technical I can't tell if there's anything in there that would help me. I'm worried about appealing and making things worse somehow.
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Yara Campbell
One important point for everyone following this discussion - while the Social Security Fairness Act would eliminate WEP/GPO for domestic public employees, international pension issues are typically governed by bilateral Social Security agreements (totalization agreements). These agreements are negotiated country-by-country and have their own unique provisions. If you have work history in multiple countries, it's essential to understand both the general WEP rules and the specific provisions of any applicable totalization agreement. These agreements help determine: 1. Whether you can combine work credits from both countries to qualify for benefits 2. How benefits are calculated when you have split work histories 3. Which country's benefits you're eligible to receive The US-UK agreement helps prevent double taxation and allows for totalizing credits, but it doesn't completely eliminate WEP reductions.
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Ella rollingthunder87
•This is really helpful information, thank you. I think I need to specifically ask about the US-UK totalization agreement when I finally get through to someone at SSA. Do you know if there's a specific department or specialist at SSA that handles international cases?
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