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Aisha Hussain

Will Social Security WEP/GPO repeal bill increase my spousal benefits? Teacher with small pension confused

Hi everyone! I've been following the news about the potential WEP/GPO repeal bill that might be signed soon. My situation: I worked as a 5th grade teacher for 26 years in Nevada and have a modest pension ($1,875/month). My husband worked in manufacturing his whole career and gets regular Social Security retirement ($2,340/month). Because of the Government Pension Offset (GPO), my own Social Security spousal benefit is reduced to just $312/month. We're both in our mid-70s now and really feeling the squeeze with inflation. If this new bill passes and actually gets signed, would my spousal benefit increase? Would the GPO finally go away? Has anyone else been following this legislation? I've heard conflicting things about whether it would help people already retired or just future retirees.

Yes, if the WEP/GPO repeal bill passes, your Social Security spousal benefits would likely increase significantly. The Government Pension Offset currently reduces your Social Security spousal benefits by 2/3 of your government pension amount. If repealed, you could receive your full spousal benefit (up to 50% of your husband's full retirement amount, depending on when you started collecting). I've been following this legislation closely as it affects many former teachers and government employees. The current version would phase in the changes over several years, so you wouldn't see the full benefit immediately, but you should see incremental increases starting about 9 months after passage.

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Aisha Hussain

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Thank you for explaining! So I could potentially get up to 50% of my husband's benefit instead of this tiny amount? That would be life-changing for us. Do you know how quickly the phase-in would happen? Would I see ANY increase in the first year?

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Ethan Brown

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DONT GET YOUR HOPES UP!!! Congress has been trying to repeal WEP/GPO for DECADES and it never passes!!!! I'm also a retired teacher (Illinois) and they've been dangling this carrot in front of us for 20+ years. Every session someone introduces a bill, gets our hopes up, then it dies in committee. Even if it passes the House, the Senate will kill it because they'll say it's "too expensive" while they give tax breaks to billionaires!!!

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Yuki Yamamoto

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this is so true...my mom went through the same thing with her pension from postal service. they been promising to fix this for years

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Carmen Ruiz

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My wife and I are in a similar situation with her TRS pension. From what I understand reading the bill summary, the repeal would be phased in over several years - I think it's a 10-year implementation period? So you wouldn't get the full benefit increase immediately, but would see gradual improvements. Have you contacted your representative to voice support? The more they hear from affected constituents the better chance it has.

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Aisha Hussain

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I haven't contacted anyone yet - that's a great idea! I'll look up my rep's contact info today. A 10-year phase-in sounds long, but I guess even a small increase would help. We're spending almost $600/month on prescriptions that Medicare doesn't fully cover.

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I work with retired educators and this WEP/GPO issue comes up constantly. The current bill would phase in the repeal over time - I believe it starts with a 10% reduction in the penalty the first year, then increases each year after that. So you would see some benefit right away if it passes, but not the full amount until the phase-in completes. One thing to consider: have you checked if you might qualify for any additional benefits like Medicare Savings Programs or Extra Help for prescriptions? Many people affected by WEP/GPO have incomes that might qualify for these programs.

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Aisha Hussain

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That's helpful info about the phase-in schedule. Even 10% would be something! I haven't looked into those assistance programs - where would I start with that?

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Zoe Dimitriou

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I've spent 3 days trying to get through to Social Security to ask about this EXACT situation! My mom is also a retired teacher with the GPO reduction. The phones are always busy and when I finally get through, I'm on hold for hours only to get disconnected! Does anyone know if there's actually a way to reach a real person at SSA these days??

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QuantumQuest

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I had the same problem but I found a service called Claimyr that got me through to SSA in like 20 minutes instead of waiting for hours. They basically call and wait on hold for you then connect you when they get a real person. I was super skeptical but it actually worked when I needed to sort out my dad's benefits. They have a video showing how it works at https://youtu.be/Z-BRbJw3puU - saved me tons of frustration after three failed attempts to call myself.

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Yuki Yamamoto

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my aunt is a teacher and always complaining about this wep gpo thing. hope they fix it but government is so slow at everything. good luck!

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Aisha Hussain

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Thank you! Yes, it feels like they take forever to fix things that hurt regular people. Fingers crossed this time is different.

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Quick update: I just read that if the bill passes in its current form, there would be a 3-year delay before the phase-in even begins, followed by a 7-year gradual reduction of the WEP/GPO penalties. So unfortunately, the full benefit wouldn't be realized for 10 years after passage. However, even the incremental increases would help many affected retirees. Regarding the Medicare Savings Programs someone mentioned above, you can start by contacting your State Health Insurance Assistance Program (SHIP) for free counseling. They can help determine if your income and resources qualify you for any assistance programs.

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Aisha Hussain

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A 3-year delay sounds frustrating, but at least it would eventually help. Thank you for the SHIP suggestion - I'll look them up today. We could really use any help with healthcare costs while waiting for this bill.

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Ethan Brown

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I just read the actual bill text - it's even MORE complicated than people are saying!! The phase-in depends on when you retired and how many "substantial earnings" years you had under Social Security. Some people might see bigger increases faster while others get less. It's DELIBERATELY complicated so they can claim they "fixed" it while still saving money. Classic government bait and switch!!

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Carmen Ruiz

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That's interesting - do you have a link to where you found the full bill text? I'd like to read the details myself. These things always end up being more complex than the news headlines suggest.

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To address your original question more directly: Yes, if the WEP/GPO repeal passes, your spousal benefit would increase, though gradually over time. The bill has bipartisan support, which is rare these days, so there's legitimate hope it might finally pass after many previous attempts. While waiting to see what happens with the legislation, I strongly encourage you to apply for the Medicare Savings Program and Extra Help program. With your described income level, you might qualify for assistance with Medicare premiums, deductibles, and prescription drug costs, which could provide immediate relief.

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Aisha Hussain

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I really appreciate this info! My husband and I will look into those Medicare programs right away. And you're right that the bipartisan support is encouraging - maybe this time it will actually happen. Thanks for the ray of hope!

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Sean Kelly

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As someone new to this community, I wanted to thank everyone for sharing such detailed information about the WEP/GPO situation. My grandmother was a teacher who dealt with this same issue until she passed last year, so I understand how frustrating and financially stressful this can be for retired educators and their families. I've been doing some research on this topic myself, and one thing I'd add is that even if the bill doesn't pass this session, it's worth staying engaged with your representatives. The fact that this conversation is happening so widely shows there's real momentum building. Also, for immediate relief while waiting, many states have additional programs beyond the federal Medicare assistance that can help with utility bills, food assistance, and prescription costs for seniors on fixed incomes. Your local Area Agency on Aging would be a good starting point to learn about state-specific programs available in Nevada. Keep advocating - your voices matter and legislators do pay attention when they hear from constituents about real impacts on their daily lives!

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Thank you for sharing about your grandmother - I'm sorry for your loss. It's heartbreaking that she had to deal with this unfair system her whole retirement. Your suggestion about the Area Agency on Aging is really helpful - I hadn't thought to check with them about Nevada-specific programs. I'll definitely look into that while we wait to see what happens with the federal legislation. It's encouraging to hear from younger people like you who understand what we're going through and are willing to keep the pressure on lawmakers. Every voice really does help!

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