Q. Can a worker who is already 62 with 27 years of substantial earnings continue to work and accumulate the 30-year threshold for the windfall elimination provision and eliminate any Social Security reduction at full retirement age at 66 or delayed retirement age at 70?
A. As long as you have 30 years of substantial earning under Social Security when you retire, you won’t be subject to WEP. The standard Social Security reductions would continue to apply if you applied for that benefit before reaching full Social Security retirement age, but not after.