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Will WEP-affected Social Security recipients get left out of the new law increases?

I'm totally confused about whether the new Social Security law changes apply to those of us with Windfall Elimination Provision (WEP) reductions. I started taking my SS benefits early at 62½ last year after retiring from teaching. My monthly payment got slashed by almost $450 because of WEP since I receive a pension from my state's Teacher Retirement System (TRS). I've paid into Social Security for 27 years (well over 100 credits) from summer jobs and part-time work during my teaching career. Now I'm hearing rumors that people affected by WEP won't see ANY benefit from the recent law changes??? Is this actually true? My neighbor mentioned something about how the new formula only helps people who don't have government pensions. I really need to know if I'm going to be excluded from these improvements. My retirement budget is already stretched to the breaking point with these WEP reductions. Anyone have actual facts on this?

Amina Bah

My husband is in the same boat!!! He was a firefighter for 23 years and now his SS is cut by like $600 from that stupid WEP thing. We've been talking to people at our retirement group and NOBODY seems to know for sure if the new changes help us or not. Some say yes some say no. VERY FRUSTRATING!!!! Why can't they just make this stuff CLEAR????

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Exactly! I spent hours trying to find a straight answer online. Have you or your husband tried calling SSA directly? I've tried 3 times this week but keep getting disconnected after waiting 45+ minutes.

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There's some confusion around this topic. The recent Social Security legislation primarily addresses the WEP and GPO formulas moving forward, but implementation details are still being worked out. What I understand from reliable sources: 1) If you're already receiving reduced benefits due to WEP, you may see some modest increases, but don't expect the full WEP penalty to disappear. 2) The most significant benefits will be for future retirees who haven't yet applied for Social Security. 3) The new proportional formula is designed to be fairer but won't eliminate WEP entirely for those with government pensions. I'd recommend checking your mySocialSecurity account every month to monitor for any payment changes as the new rules get implemented. The SSA is supposed to send notices to affected beneficiaries once they've finalized how the changes will be applied to existing recipients.

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Thank you for this detailed explanation. I've been checking my mySocialSecurity account weekly hoping to see some update. So it sounds like I might see some increase, just not as much as I was hoping for? Do you know roughly when these changes might start appearing in our monthly payments?

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my cousin works for SSA and she said they r still figuring out how to apply the new rules to ppl already getting benefits with WEP. she said dont expect anything to change for at least 6 months maybe longer. govt moves slow lol

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That's actually helpful info - at least we know not to expect immediate changes. The waiting game continues!

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I've been researching this extensively as I'm also affected by WEP. The legislation does include provisions for current beneficiaries, but with limitations. Here's what the actual bill text indicates: - Current WEP-affected beneficiaries will receive an adjusted calculation that's more proportional to actual earnings history - There's a guaranteed minimum increase for those who've paid into Social Security for 20+ years while also working in uncovered employment - The implementation timeline spans several years, with initial adjustments beginning in 2026 With your 27 years of contributions, you should qualify for some relief under the new formula. The SSA is required to recalculate existing benefits and apply the more favorable formula (old or new). However, don't expect this to happen quickly - the SSA has been given 18 months to develop implementation procedures. I'd recommend formally requesting a benefit recalculation once the new rules are in place, as there's no guarantee they'll automatically review every WEP case without prompting.

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This is incredibly helpful information! I feel much better knowing there will eventually be some relief. I'll definitely request that recalculation once the rules are implemented. Is there any specific form or process to follow for requesting that recalculation?

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I saw something about this on the news last night! I think they said something about how the changes won't take effect for a couple years? Not totally sure though.

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You're partly right. Some provisions take effect immediately, while others have phased implementation. The WEP/GPO changes specifically have a multi-year rollout, with initial adjustments beginning in 2026 and full implementation by 2029. The SSA has to create new calculation systems to handle the proportional formula, which is why it can't happen overnight.

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I feel your pain! The whole WEP thing is SO unfair. I worked as a teacher for 30 years and then found out my Social Security from my previous job would be cut by almost half! It's like being punished for choosing to teach. Hope you get some good news with these changes.

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Amina Bah

Has anyone actually managed to talk to a real person at SSA about this??? I've been trying for WEEKS and can't get through!!!

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I was struggling with the same issue last month trying to get information about my husband's WEP calculation. After getting disconnected four times and wasting hours on hold, I finally found this service called Claimyr that got me through to an SSA agent in under 20 minutes. It connects you with SSA's phone system but somehow keeps your place in line so you don't have to stay on hold forever. Saved me so much frustration. They have a video showing how it works at https://youtu.be/Z-BRbJw3puU if you're interested. The agent I spoke with confirmed they're still working on implementing the new WEP changes and couldn't give specific timelines yet, but at least I got to speak to a human!

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This whole system is so confusing. I thought Social Security was supposed to be straightforward! My dad never had to deal with all these complicated rules when he retired.

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The system has become increasingly complex over the decades. Your father likely retired before the major WEP/GPO expansions in the 1980s. These provisions were originally intended to prevent "double-dipping" but have created significant inequities, particularly for public servants with mixed careers. The recent legislation attempts to address these inequities, but as with most government programs, the implementation is far from simple.

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If you have 40+ quarters of Social Security coverage as you mentioned, make sure that's properly documented in your earnings record. Sometimes quarters get missed in the system. I've seen cases where correcting the earnings record resulted in a reduction of the WEP penalty even under the old rules. You can check your lifetime earnings record in your mySocialSecurity account. If you see any years missing or with incorrect amounts, gather documentation (W-2s, tax returns) and submit a correction request. This might help regardless of how the new law is implemented.

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That's good advice. I just checked my record and there actually are two years in the 1990s that show zero earnings when I definitely worked those summers. I'll need to dig through my old paperwork and see if I can find proof. Thank you!

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