Q. I have 40 years of service from a local Air District in the Bay Area in California, but I am short the 40 quarters by eight quarters. Is it worth working to get the 40 quarters?
A. Whether it would be worth the effort is something you’ll have to decide. Because you are (or will be) receiving an annuity from a retirement system where you didn’t pay Social Security taxes, any Social Security benefit to which you’d be entitled would be affected by the windfall elimination provision of law. The WEP would reduce – but not eliminate – that benefit. To see how the WEP would affect you, go to https://www.ssa.gov/pubs/EN-05-10045.pdf.