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My benefits got cut. Welcome to WEP.

It’s a little known and even less well understood provision that affects a small number of people who worked in some public sector jobs and had at least ten years of employment in the private sector.  It’s the Windfall Elimination Provision (WEP), and it can take away hundreds of dollars each month in Social Security benefits you thought you would get.  As this article and accompanying two minute video describe, there are steps one can take to mitigate and even eliminate the effect of WEP.  Strive to get 30 years of private sector work history, as that feat eliminates any Social Security benefit reduction at all.  There are bills in Congress to eliminate WEP and others to recalculate the benefit reduction under WEP.  The latter is more likely to pass in 2019, though there have been similar bills introduced ever since WEP was introduced in 1983, so no one affected should get especially excited about any reform.  Read the full article here.


The AMAC Foundation offers a free-to-the-public advisory service to all folks ageing into–or already in–Social Security.  The service provides guidance in understanding the complexities of the program and the myriad rules and regulations associated with the process for claiming benefits, with NSSA-Certified Social Security Advisors available via email or telephone to discuss options.  Learn more about this service via the Foundation’s website.

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