Windfall elimination provision exceptions


Q. I retired with a medical disability from the FSRS in 1975, and I worked until age 62, when I applied for Social Security. I have read that if I medically retired from FSRS, the windfall elimination provision does not apply.

However, Social Security reduced my pension because I lacked 30 years of substantial earnings.

Which is correct?

A. The Social Security Administration is correct. Go to www.ssa/gov/pubs/10045.html. There you’ll find an explanation of the WEP and a list of the only exceptions to it. One of them isn’t medical retirement from the FSRS.


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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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