Windfall Elimination Provision avoidance


Q. On Oct. 1, 2014, I will have reached my MRA with 32 years and 11 months of total service credit, of which 27 years and two months are under FERS, the rest under CSRS. I am subject to Windfall Elimination Provision. To avoid WEP, I must have 30 years of substantial earnings per the Social Security Administration.

Am I correct in assuming that I must work until approximately Aug. 30, 2017, to attain the 30 years of substantial earnings to avoid WEP? I believe there was one year in the 1970 in which my earnings exceeded the substantial earnings amount on the SS website, so this year should count as well. If so, I might only have to work until Aug. 30, 2016, to avoid WEP. Am I correct?

A. To see if you are correct, I suggest you use the handy calculator provided by the Social Security Administration at


About Author

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

Leave A Reply