Social Security and the WEP


Q. I retired under CSRS at the age of 62, with 40 years of service (military included) and I paid back my military Social Security. I am currently 65 with 38 minimum quarters of Social Security. Would it benefit me to work two additional quarters to draw Social Security, or would the WEP eliminate any Social Security to which I would be entitled?

A. The windfall elimination provision would reduce but not eliminate any Social Security benefit to which you’d be entitled. To learn more about the WEP and how it would affect you if you qualified for a benefit, go to


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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