Social Security WEP GPO Impact Guide for Public Employees (2026)
Understand Social Security WEP GPO impact: windfall elimination provision, government pension offset, reduction calculation, and public employee benefit impact.
Summary
WEP and GPO reduce Social Security for public pension recipients. This guide explains reduction calculation and public employee impact.
Key Steps
- 1Understand WEP: reduces Social Security for workers with non-SS-covered pension.
- 2Calculate WEP reduction: maximum $558 reduction (2026), affects first bend point.
- 3Apply GPO: reduces spousal/survivor benefit by 2/3 of government pension.
- 4Track years of SS coverage: 30+ years SS-covered employment exempts WEP.
- 5Plan for reductions: WEP/GPO significantly reduces expected Social Security.