Windfall elimination


Q: In calculating the effect of WEP, how do the years I work between age 66 and 70 count? I plan to keep working and apply for Social Security when I am 70. At age 66, I will only have 18 years of substantial contributions under Social Security. If I continue to work until I am 70, will the additional four years of substantial contributions count in calculating the WEP when I apply for Social Security? Or will the WEP be based only on my years of substantial contributions as of age 66?

A: The windfall elimination provision is applied when you have the age and service needed to receive an annuity, whether or not you continue to work after that point.


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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