Social Security WEP rules


Q: I am under the Civil Service Retirement System and plan to retire within the next year after 31 years of service. I also have 40 quarters under Social Security from a previous job and plan to keep working as long as I can as a contractor paying into Social Security. If I wait until I am 70 to collect Social Security, I would have 21 years under Social Security.

As I understand it, the windfall elimination provision will be adjusted by a percentage. If I continue to work past 70, would that percentage be continually recalculated, or is it fixed at the time you elect to take Social Security?

A: The reduction is fixed at the point where you begin collecting your Social Security benefit.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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