Major Social Security Reform-WEP and GPO Eliminated! How Are You Affected?

[@lulucly]

Grateful for the work of all who made the repeal possible! The repeal will lift a financial burden from the shoulders of some people really struggling!!

[@larrybulthouse455]

Bullshit

[@sjmyers1570]

As someone who has not only been affected personally, but has two siblings who are affected, I so appreciate this succinct explanation for those who do not understand what these two programs actually do! It is extremely frustrating to see/hear terms like 'social security EXPANSION' or 'EXTENDED benefits' or 'ENTITLEMENTS'. This repeal is none of those things! It is returning EARNED benefits to those of us who have worked both government/private industry enough years to qualify for a pension from both, then were denied social security benefits..or receive significantly reduced benefits! These programs were punitive!! This is not a freebee...we EARNED these benefits. Thank you again Erin!

[@johnt8441]

Good explanation, very succinct, you distilled it down beautifully.

[@Paysoncougarfan.7885]

Retired (24 years) military career, and additionally worked 2 years. Then worked as a California HS teacher for 15 years. Lost about 400 a month. Looking forward to the change now that I am 71.

[@tearlach61]

Not sure how this ever became a thing. My career is a mix of jobs that paid into SS and those that didn’t. My SS will already be less because I have a shorter work history in the system and that is fine. But the WEP is used to reduce those benefits still further and these are benefits that I have paid for.

[@SisterRose64]

It’s AI generated to confuse the masses…

[@jimmyjam5453]

Ronald Reagan messed everything up. Biden just fixed it.

[@jimmyjam5453]

You can thank Ronald Reagan for the damages dome.

[@frankish5314]

@@jimmyjam5453 Yes another "creative" scheme by the GOP to screw over little people.

[@TexasRivermedic]

If you paid into SS for 30+ years you’re exempt from the WEP anyway. So my 39 years of paying into SS and my 15 years of no SS but a city pension are exempt from the WEP if it was still a thing.

[@stephaniem8927]

My parents were the first wave of retired people to be impacted by these provisions. After my dad died, my mother had to pay back money to the government. It almost put her in poverty. A few months ago, I was talking to a school janitor (age 67) who couldn’t afford to retire because of WEP/GPO. I also would have been impacted by these provisions. I’m so happy for so many people. Thank you for your clear explanation to individuals about this. Sadly, too many people didn’t know about WEP/GPO or understand its impact.

[@sandrarhine7600]

ALot of the ones who are upset that we will get our SS back dont understand that even with our pension WE ARE NOT GOING TO BE RICH most of us will have to work just to make ends meet AT OUR age we would like to retire not work ourselves to the grave!!!

[@iphonedoc]

​@@sandrarhine7600 It's not that we think you will be rich. It is that we think you will now be getting more total retirement for the same effort. So you think you are more entitled to retire and not have to work until the grave than I am? How is that?

[@michaelofcvan6579]

Ronald Regan was the first orange ass-clown.

[@artlover4ever974]

Yes, people who choose to go into these careers should have been told about the WEP/GPO. I started teaching later and I did not realize this stipulation until my first few years of teaching. Another teacher told me and I couldn't believe it!! So many people have been affected by the GOP portion of this as well. There a a lot of sad stories of widow's who were barely making it because of this. I wish people would educate themselves on how WEP/GPO worked instead of saying how unfair it is that it has been repealed. We are the working class who tried to better our lives by getting an education, etc. and have been ripped by WEP/GPO for years. One way to cut SS is to look into the amount of people who are drawing disability and are working on the side as well and their earnings not being reported. We ALL know some. (I am all for disability for people who deserve it!!!) Also, there are countless people who are drawing welfare benefits who are PLENTY capable of working. WE all see those people as well. So, for the people who are screaming how unfair this real is, PLEASE educate yourself on the FACTS!!!

[@michaelofcvan6579]

@@stephaniem8927 The Republicans are way too stupid to understand that Ronald Regan was a clown.

[@drobin333]

I spent 17 years working in the private sector and paying into Social Security. After, I worked 33 years as a police officer and am receiving a CalPers retirement. When I applied for Social Security I believe the payments were reduced by about $450 a month because of my pension. I hope this reform will reestablish my loss.

[@mikerieck306]

I paid into SS for 48 years....6 years full time job and 80% of the rest in a high paying part time job. I worked my ass off part time while working in Boston School System 30 years (which provides a public pension). By the time Medicare is deducted I'm lucky to get 30% of the original benefit.....basically SS removes 550.00 to now 587.00 a month. That's significant.

[@iphonedoc]

Yeah I feel for you. $450 a month. Have you got the guts to tell us what your pension pays you? I'll bet not. I bet it makes that $450 look like a rounding error. Of course I would take the $450 too if offered.

[@drobin333]

@ that was rude

[@chiplangowski3298]

@@iphonedoc - Why does it matter? All that matters is that people paid into SS, just like you did. Maybe even more than you did. Why should you get your entitled amount and not them? People should not be penalized for working harder than you.

[@skymaster9484]

With a stroke of his pen, the idiot in chief just killed SS. What's funny is he voted yes on the WEP bill in 1983.

[@erickawabata2182]

Thank you Erin for posting this - this is HUGE!

[@patoberdieck862]

Part of the problem was getting the annual statement from social security saying how much you'd be getting when you chose to retire. Then the rug is pulled out from under you when you actually retire and they offset, leaving you with much less than what was planned for. No one mentioned this little thing in our retirement planning! (we did fine, after we 'adjusted" ourselves)

[@something2knownow]

It’s amazing to see all the “Experts” who don’t get that we paid into both systems and that 1) not everyone who works a public job is making a lot of money 2) the pension could be tiny 3) the WEP reduced earned SS benefits by a 2/3rds 4) the GOP was Machiavellian in it’s treatment of widows or widowers who lost their benefits entirely. I am so relieved they pushed this through and Biden signed it today!

[@leehranicka3689]

Not only did we pay in but I was required to pay the employee portion and as an independent private contractor I also had to pay the employer “contribution” plus Medicare or 13.85%!

[@ghostofmanitou6864]

I am so excited about this news! I paid into the SS system for 19 years and then landed a job at a public utility where I get a pension and do not pay into social security. I am very grateful that I will have a pension but that doesn't give the government the right to heist all the money I paid into the SS system.

[@wanaraz]

Not to worry. Govt takes care of govt. Real good.

[@j.a.b.3548]

It’s not going to pass..

[@scottg5588]

@@j.a.b.3548 It already did.

[@lindabenson3439]

@@j.a.b.3548 It has already been passed by House and Senate.

[@zx9124]

@@lindabenson3439 Fingers crossed he vetoes it

[@royrichards1563]

Erin-you’ve made the confusion on this very clear.. Thanks!

[@cathyknapp8904]

Yes, this legislation will impact my life. I worked about half my career as a teacher in private schools and other jobs paying into S.S., and then 20 years as a public school teacher. I will be much more comfortable (and much less anxious) once these changes take effect.

[@cathyfeller873]

I am so excited! I worked 27 years with SS job and then became a professor for the last 15. They were going to take about 1/2 of what I should have gotten in SS away even though I didn’t have many years to increase my pension as a professor. This will really help!!

[@jimmyjam5453]

Thank you Joe Biden 🎉🇺🇲

[@TexasRivermedic]

@@jimmyjam5453Biden didn’t do anything to help you and I. It was the senate that finally passed it, we only needed one more senator and we got it. It then went to Biden to sign and he had to do that because it was a senate thing not a presidential thing.

[@Moreworklesswhine]

You are now going to being treated unfairly with this ‘extra money’ you so don’t deserve. Your now going to get preferential treatment so that the little you put into SS will be treated as if you didn’t work for 27 years as a paid government employee who has a pension and all the benefits of a government employee. You will now be getting more for the dollars you paid into SS than a low income person. Remember SS is a progressive type tax designed to help low income people. You are being treated as a low income person and getting a higher percent return on your money than those in the private sector who have the same income profile as you but worked and paid into the system for all their lives. All private sector people are now subsidizing your pay. Try not to be too ashamed. Remember anyone you brag to about getting more will look at you with disgust if they know the facts that you are being treated as a low income person and haven’t paid into the system the same percentage of your total income as others. Just tell higher income people you appreciate the free gift. Tell the low income people you are sorry for screwing them, again. Oh and I’m not low income, think we should be doing more for truly low income people. You are not one of those people. As a ‘teacher’ you should know so perhaps you should get educated by a real teacher…

[@KathleenLinn-j3i]

I'm cautiously optimistic with this information. I started working for the government in 1980 til 1994, then returned in 2001 til 2011. The first 14 years i was under the old retirement CSRS and did not pay into Soc Sec. When i returned i was still CSRS but paid Soc Sec. and when i retired my Social Security was offset significantly even though i had worked enough outside the federal government to earn Social Security. This will be a wonderful gift!

[@OneLuvRosethorn]

The coming repeal of the GPO directly affects my father, who worked at the Post Office for decades. I had to convince him to let me help him apply for SSA because it was hard for him to wrap around getting anything based on my mother's SSA record. He submitted an application on Monday. I'm hoping he starts to receive it by March.

[@DaB1865]

Wouldn't it be better to wait until the bill actually becomes law, i.e. after the President signs the bill?

[@OneLuvRosethorn]

@DaB1865 The law is supposed to be retroactive to January 2024, but I'm not sure if that applies to someone who never received SS before. From what I understand, Biden is probably waiting to sign it until after the holidays for more attention.

[@MrStan0630]

Biden signed the bill the day after it was passed by congress.

[@Viconius]

Even if this gets past, folks who get this will receive it as a lump sum and have to pay income tax on it. SSA doesn't plan, they just react.

[@zx9124]

@@DaB1865 Or vetos it

[@rhodastephens-yoder5693]

That is what happened to me. I worked at private schools and nonprofits for about half of my career. When I retired last year, I received forty percent of my social security benefits. Glad to hear that something is being done with this issue. About time.

[@iphonedoc]

And what is your pension for the other half? You were able to earn that pension because we didn't make you pay social security.

[@lorihuffman8272]

@@iphonedocthat’s not really how it works

[@iphonedoc]

@@lorihuffman8272 Then tell me again. Do you get a pension from a public service job?

[@zx9124]

@@lorihuffman8272 That's exactly how it works Was your GOVT pension a "NON-covered pension"? If yes, then no, you do NOT deserve the 90% adjustment. Yours starts at 40%, and increases until you've matched what everyone else contributed. That's you FAIR share(ironic eh)

[@SharonEdwards-gw2pd]

Exactly those who never worked are receive more than us that did pai into social security how’s that fair ?

[@DaB1865]

Excellent presentation with easy to understand examples. GREAT JOB!

[@ErinTalksMoney]

Thanks for watching!

[@DaB1865]

@@ErinTalksMoney You're welcome 😊

[@Silverado1222]

Hi Erin, thank you so much for putting this video together. I have not watch a single video of yours that I didn't get something out of it. Of course to finish with the bloopers is frosting on the cake! Happy New Year!!

[@susanauer6715]

Well done. I taught for 30 years and appreciate my pension. I also worked in the private sector for 17 years and paid into social security. If Biden signs this, I should get an extra $300 or so. I'm 82 and many of my coworkers have already passed away. They could have used this extra money. We appreciate that after 40 years we might be getting our money, but think how much money the government has saved by delaying these payments !

[@dcaposey]

thought provoking this

[@TexasRivermedic]

Biden didn’t have any choice but to sign it. It was the senate that held it up for so long and with this last election the senate passed it

[@Copicutretiree215]

You did an excellent job explaining this. The best I’ve seen so far 👍👍👍

[@ErinTalksMoney]

Thank you!!

[@cappybenton]

Yes. It affects me. Thank you for explaining all this.

[@NancyMosca-d8i]

Yes it touches both me and my husband…. Worked 30 years state teaching jobs and extra jobs each about 15 years paying in to SS. So worried President hasn’t signed it yet

[@mannyheine7258]

You are honest and great..you explain everything clearly..you are the best than others.

[@NatureBoy12100]

The people in Congress back in 1983, thought everyone was making as much money as they did. They said they voted to keep people on pensions from getting rich. The only people getting rich were members in Congress. the average worker was just getting by. This was highway robbery, of people who couldn't afford it.

[@something2knownow]

Typical Reagan give to the rich and take from the poor. No insight into the 40 years of financial suffering they wreaked on anyone who had the misfortune to take a teaching job after a career paying into social security.

[@davdna]

Expose the Oligarchy. They are steeling our money.

[@mutualbums]

I am happy that I am not so bitter toward the government. I worked and I earned my full SS benefits. I am a worker and I was punished for working. This gave me faith in American people who banded together and got this done.

[@brianburry4862]

It is $196 billion “cost” and that is both a falsehood as it is only 1.5% per year difference, yet it stole 50% + of the earned and paid into Social Security Benefit to police officers, firefighters and teachers!

[@josephkelleher8820]

U.S. Postal workers were affected also.

[@codebloke2200]

That $196B is over the course of a decade and simple math suggests that is a conservative figure. In 2023, $1.4T of benefits were paid out of OASDI Trust Funds. An increase of 1.5% to $1.4T is $20.9B times 10 is $209B.

[@janicemire3511]

Stop giving money to Ukraine.

[@kevinw7560]

@@codebloke2200 bad analogy

[@debk6598]

Retired teacher who went into teaching later in life. I almost cried when I heard this!

[@bobbert1945]

Thank you so much for this video! My mother was a teacher for years and probably didn't pay enough into SS from her other jobs to make a difference, but if she can qualify for her husband's SS, that will make a big difference.

[@timothyewing]

Very useful information Erin! Many Thanks👍 It wouldn’t affect my wife or I, but as a tax preparer, I do have several clients that this would affect in the near future.

[@tblair9172]

I’ve worked 35 years in the public sector (without Social Security) and 10 years in the private sector. My wife has worked 35+ years in the private sector, paying at the highest SS rates every year. I never expected much from my own SS benefits (and would likely have received close to zero), but I couldn’t understand why I would be denied spousal benefits. Now I will get them. BTW, spousal benefits for Medicare were never denied to public employees.

[@AmeliaDemarie]

Thank you Erin, finally someone clearly explaining the process.

[@davidstephens6458]

If you ever wanted to piss off my mother all you had to do was mention Social Security. She worked for over 30 years as a civilian contract specialist for the army. She retired with a great pension but could not draw off of my father who paid in social security for 40 years. Her sister in law never worked. She stayed home and took care of the house and her kids. My mother paid someone to watch her kids during the day but then she spent her nights and weekends taking care of the house and a huge garden. She did everything her sister in law did but had to do it at night and weekends. When my uncle retired my aunt could draw off of him but my mother couldn't draw off of my father. She complained about that till the day she died. And I think she was right, it wasn't fair. Another good one Erin. Thanks.

[@Patricia-n5u-j6m]

Your mother being denied survivor benefits contributed to extending the solvency of social security. And now the critics of the repeal of WEP & GPO are whining about how it will make SS insolvent 6 months earlier. I am so sorry about your mother. She had to live with the injustice until her death.

[@13Voodoobilly69]

That is a sucky story. I am a newly retired DOD Civil Service employee. That is such a shame how that goes on. 🙁

[@flyingjeff1984]

And now you understand what the social security act was designed to do. Namely, help those who have no other means of support. Another name for the "reform" could be, "Pay retired members of Congress an extra 50k per year."

[@fredost1504]

Its double dipping and a bad idea(getting her pension and 1/2 of dads SS). Double dipping is one of the biggest Govt crimes ever.

[@Marilyn-np2xh]

David, your mother didn’t get your father’s Social Security because she got a big fat government pension! So she wants a pension and half of her husband’s Social Security. That’s double dipping! Your aunt did not get a big fat government pension.

[@suzannelentine]

I am so happy about this repeal! I worked over 30 years in private sector, but did not have enough qualifying quarters to be exempt and for the past 11 years have worked for a municipality in a state that does not deduct SS from pension earners. I could have fully retired 2 years ago, but did not because I could not afford to because of the almost $600 reduction that WEP would have caused. This repeal greatly reduces the anxiety I've felt about my retirement finances not being enough. I may still have to take on a part-time job after retirement to supplement my income, but it will be less urgent to do so right away. And, after working since I was 12 years old (I am now close to 69), I just might retire in the coming year! I am hoping this is signed into law soon.....any idea when this might happen? Thank you Erin for the helpful content!!

[@naturaltexan6970]

⁠The bottom line is WEP and GPO had nothing to do with “fairness”. It was another cut to SS because Congress borrowed the ENTIRE SS fund and they didn’t want to have to pay it all back. Explain what Congress is having to do I order to repay the money they borrowed.

[@SandfordSmythe]

The problem starts when the government pays it back.

[@UJB123]

The Government doesn't make money, (it doesn't make or sell anything); it takes money (in the form of taxes) ... our money. WE have to pay back the money borrowed from US. 😉 IIRC, the government borrowed 2 trillion dollars from social security to pay for the ME war. That was around a 10 year war. So, pretty much they (Govt) took from working citizens retirement savings & the business who input too and now they say there's not much left .... like something a junkie would do.

[@indepentinvestigator]

@@SandfordSmythe Government? Who runs the government.....not Americans

[@SandfordSmythe]

You understand it's the redemption of that lent money that is keeping SS going?

[@douglaspartello7775]

Most folks would wet themselves knowing that the government took all that money!! They had no right to touch it, but they could not resist, as that mountain of cash was too tempting, while they were and continue to overspend.

[@cindymeschke697]

Best presentation on GPO I've heard (which affects me). Keep the bloopers ( !!! ) as we all want a fun video too (and connects us to a real person).

[@RS-lw9cd]

Thanks, Erin. You clearly explained this subject. Although I already understood and had knowledge about this subject, it was nice that your explanation verified this information. Hope you had a Merry Christmas and wish you a very wonderful, safe and healthy New Year!

[@stevennevins6643]

Because of the GPO, My wife’s $1700 spousal benefit has been reduced by $800 monthly, about 2/3rds of her Texas teacher monthly pension benefit since she retired 13 years ago.

[@Mike_S_Swift]

Best video I’ve seen on WEP & GPO. I worked over 40 quarters paying into SS before taking a civil service job with the Army late 79’. ( took me 10 years to make my last year at PacBell). I only get 40% of what I’m owed. Now my wife who paid into SS her whole adult life passed away on Mother’s Day and I don’t get any of her SS either. Bummed CA VN vet here waiting for the president to sign this into law to help with the loss of over 1800$ a month.

[@carlclark8206]

Same thing happened to me. I paid in 44 quarters into ss. My wife passed away at 52. Had two kids. Couldn’t get survivors benefits because at the time I had a civil service job. Now I’m retired and I’m penalized 60 % of my social security. My wife had paid $199,000 into social security. Could only get $255. 00 a one time payment.

[@ItsEverythingElse]

WEP and GPO would not eliminate survivor benefits if your spouse had enough credits.

[@dawndarling2277]

​@@ItsEverythingElseNot true. I know so many teachers that couldn't get a dime of Survivor Benefits because of their pension.

[@charlieruns7953]

@@ItsEverythingElse Of course it does.

[@zx9124]

@@dawndarling2277 As far as what is stated in this bill, in section 2, it only reduces. GPO says the same. I find nothing about them being eliminated

[@edwardtrujillo5587]

The best explaination of the Social Security Fairness Act...bar none!

[@ErinTalksMoney]

Thank you so much!

[@ggemsoperations7041]

I WAS A POLICE OFFICER IN CALI AND WORKED THE PRIVETE SECTOR FOR 15 YEARS. I AM ON A DISABILITY RETIREMENT FROM CALI.

[@samuelmitchell1208]

NARFE (National Active & Retired Federal Employees) have been fighting this for 40 years.

[@wng51]

Best educational video on this subject I have found. Description is exactly how SS handles WEP and I know this because I have been affected by it for 10 yrs. Great work!1

[@williethomas422]

Loved your explanation of WEP and GPO. Your show has had been the most articulate. I am affected by this bill and I have been searching for someone to break it down for me. I worked 38 years at the USPS 1981-2019. I paid no SS. When I retired, I had 32 credits from previous jobs. You need 40 credits to qualify for SS. I got the 8 credits by working 8 quarters at Amazon. Applied for benefits and WEP reduced my amount to $200/m. I think I would get close to $600 without WEP. GPO affects me too. I qualify to “upgrade “ my SS when she retires. There are numerous nooks and crannies with this whole thing that I share and help your audience.

[@GeeW477]

Well done Erin. I am glad to see the WEP and GPO being repealed. Keep up the great work. Love the bloopers too!

[@frankish5314]

we are not there yet! Biden still has to sign.

[@Genesis.1-1]

I'm a victim of WEP. Unlike social security payments that receive COLA adjustments for inflation, my government pension is exactly the same as it was 15 years ago when I retired. The only changes come from higher or lower tax rates.

[@hudsoninvestmentgroup9513]

Just started watching your video's. Great content!! Also love the bloopers at the end. 🙂

[@ErinTalksMoney]

Welcome to the channel!!

[@phyllissnyder2563]

I’m a retired public school teacher- my deceased husband worked over 40s in private sector employment. My minimum teacher’s pension is docked by 2/3 of my survivors SS benefits. This repealed restores my earned benefits!

[@pauls9011]

Other posts you said patty Murray signed off on 26th. Nothing in news. How do you know this

[@rodneylw10]

Are you sure they are docking your teacher pension or is it that it is full pension and lack of full SSA benefit?

[@arloameans1466]

@@phyllissnyder2563 Minr is still with us, he taught Specual Ed,Principle and teacher. He oaud into the Tex teachers pension, his SS from other SS withholding positions so now, his SS us $33.00 monthly,and if he dies, I would not get his pension, that said, I paid in and worked most if my adult life,still without this repeal of WEP & GPO,I would live on less that $1000.00

[@MrStan0630]

You will be eligible for your late husband’s “earned” benefits in addition to your teacher’s pension.

[@crackrokmccaib]

Free shit! hooray.

[@robertatorres739]

Thanks for the info. Please continue to keep us posted. Appreciate you manner of explaining. You made it easier to understand.

[@ErinTalksMoney]

Thanks for watching!

[@junkscams]

The term “double dipping” is totally misleading since employees made contributions to both SS (same as everybody else) and also to their pension. The issue and question was just how progressive the benefits are, and who wins or loses from the policy.

[@larrynelson7839]

I must compliment you. You stated the issue very well! Although the people who were not subject to WEP are/were winners, and now finally the people subject to WEP will be treated fairly and receive benefits more in line with the non-WEP people in the future. HOWEVER, the historically WEP people will only be reimbursed for 2024, so the "Not Subject To WEP" people are still coming out ahead if they have been receiving SS Benefits for many years!

[@zx9124]

@@larrynelson7839 htis is exactly where the confusion begins. Your benefits we not stolen, they were scaled, based on the number of YOCs, if you received a NON-COVERED pension. Just like most of us, Part (A), from any PRIVATE sector job, contributes 100% in SS taxes. Part (B), from any PUBLIC sector job, contributed 0% in SS taxes, if it was a NON-COVERED pension. A=1 B=0 A+B=1

[@maybee...]

How would those who paid into a 401K like having their benefits reduced due to double dipping. Or any other form of retirement benefit....

[@DFS4417]

Absolutely the best explanation and honest evaluation on the internet. You done great

[@MrBlitzcraig1]

Yes, repealing the WEP and GPO will result in 1) retirees getting the amount of SS benefit dollars that they are due and 2) moving forward date of a SS shortfall. BUT, keep in mind, these same retirees have been being robbed by up to FIFTY+ PERCENT of the actual benefits due them for up to 25+ YEARS (depending on date of retirement and date of death)! As an example, Person X retired in 2023. Because Person X worked and paid into a STATE Retirement plan for 23 years and receives an annuity from it, the FEDERAL Retirement plan (aka SSA) that Person X also worked and paid into for 20+ years, currently underpays Person X about $2,000 per month. Unless WEP and GPO are repealed, SSA will rob Person X of $480,000 over the next 20 years. Person Y, who's in the same situation but retired 25 years ago will never receive the benefits they are/were owed from SSA.

[@damienbates]

Best example based explanation I’ve seen so far! Thanks!

[@ErinTalksMoney]

Thank you!! 🙏

[@s.j.5850]

Eliminate the cap on F.I.C.A. taxes being withdrawn from earned income. The rich get a pass after $170,100. How can that be fair? There is no cap on federal income taxes, it is a percentage that often increases until you get to a certain point where you can leverage deductions. I guess we can thank congress for the lopsided tax system in conjunction with the executive branch of our government?

[@polaridoo1]

Absolutely this needs to be fixed. It's straight up robbery. If you have earned something, you should get it. Your marital status or the fact that you have two different careers that paid into two different forms of retirement has nothing to do with the fact that its your money.

[@Larry-d1c]

Actually all social security is robbery.

[@rodneylw10]

The reason they passed WEP to begin with was because only closed state or certain government workers could get salaries and pensions in their jobs and take on a side job and then it count as a separate job. The SSA calculation bend point method benefits the lower income worker but qualifying second job workers would likely appear as low income workers (their main gov job salary with pension not counted) and then they end up as earning a high percentage of paid in monies with a pension too- something that others cannot do. If a private sector employee pays in holding two jobs it shows up as one salary in SSA and is reduced in the progressive formula as they would be likely reaching higher limits and earn lower benefit dollars on their career average monthly earnings (AIME)

[@zynxmynx69]

@@rodneylw10 And IF the 3% beneficiaries received a SECOND govt pension, where the FICA contributions were exempt, and/or did NOT contribute significantly to SS, then they do NOT deserve the 90% adjustment

[@timnichols3795]

You’re absolutely wrong. All WEP and GPO do is ensure that the rate of return somebody gets from Social Security is identical to somebody who had the same earnings, but who paid Social Security taxes on all of their income. Without WEP and GPO, the person who paid less Social Security taxes would get a more generous rate of return than the person who paid more Social Security taxes.

[@zynxmynx69]

@@timnichols3795 Stop, "Six of one, half a dozen of the other."

[@kelownapianoconsult5354]

Erin- I am assuming that Canada Pension Plan beneficiaries who have been penalized by GOP will also have their benefits re-calculated? Thanks

[@ceejaybreeze234]

Please don't take the bait that elimination of WEP and GPO is adding 200 billion to Social Security benefits. The Social Security Fairness Act restores fully earned benefits to the only class of beneficiaries that has been denied their full benefits. Over the next 10 years, $200 billion will be restored and those benefits are no more and no less justifiable than anyone else's fully earned benefits. The reality is that Social Security solvency is an issue of there not being enough payroll tax workers for the ever-growing number of retiring beneficiaries. Please don't allow those who have already involuntarily contributed over 500 billion extra to preventing Social Security insolvency to be used as scapegoats for the next insolvency crisis. Ironically, they are the only class of beneficiaries that has ever contributed to preventing previous insolvencies and they will only receive a fraction of the money that has been denied in retroactive payments.

[@todddunn945]

Yes, my wife has been receiving a WEP reduced benefit for 19 years. I did the math and she received $88,000 less than she would have without WEP. She is 82 now and will get an extra $500/mo for the rest of her life. I doubt she will live the 15 years required for her to recover the benefits she lost to WEP. Incidentally her government pension is $97 per month.

[@zx9124]

Only 3% of all retired SS beneficiaries, benefit from this bill. The other 48 million or 75.1% of us, get nothing. 3 % will have 2 pensions, getting 2 monthly benefit payments, with one them coming from a pension for NON-COVERED work. Fair? Your benefits we not stolen, they were scaled. They then used %'s, based on the number of YOCs. Y? Because your non-covered pension didn't contribute enough SS taxes, or nothing at all. If I contributed X, and you contributed X-1, they you didn't contribute the same as me. They could have removed the CAP. Then remove WEP & CAP. Why would they deduct these cost, without first having a plan to replace them(oh yeah, iraq war all over again). Section 2 of this bill, might be more unfair, and an even lower % benefitting, but overall, those supporting this drivel of a bill, were sold a bill of goods.

[@crettiahunter5378]

Thanks for your simple explanation.

[@13noman1]

Appreciate the clarity of the explanation.

[@jukeboxzero1]

“The regular formula was intended to help workers who spent their careers in low-paying jobs, by providing them with a benefit that is relatively higher in relation to their career-average earnings in covered employment than the benefit that is provided for workers with high career average earnings. However, the formula could not differentiate between those who worked in low-paid jobs throughout their careers and other workers who appeared to have been low paid because they worked many years in jobs not covered by Social Security (these years are shown as zeros for Social Security benefit purposes). Thus, under the old law, workers who were employed for only a portion of their careers in jobs covered by Social Security-even highly paid ones-also received the advantage of the weighted formula, because their few years of covered earnings were averaged over their entire working career to determine the average covered earnings on which their Social Security benefits were based. The WEP is intended to remove this advantage.”

[@scottg5588]

They finally conceded that if you worked double it's not "double dipping". The question is, when is someone going to put it in front of Biden and tell him to sign it?

[@zynxmynx69]

He either 1) secretly signed it already, 2) will sign it when he gets back from holiday, or 3) fingers crossed it becomes a pocket veto

[@randymccammon468]

And now, lets here the REST OF THE STORY.... At age 16, on my first job, I was FORCED into paying social security with the assurance that when I reached retirement age and paid in X number of dollars for X number of quarters, I would receive SS in the amount of X Dollars.. The amounts were in black and white and predictable.. About 15 years later, Congress noticed that some of us made very large sacrifices in salary and safety to work for the government and earn and pay for a second retirement. If I buy 2 apples at the krogers, I get both of them. The government steals $587.00 per month from me because I paid and earned a Civil Service retirement ALSO! I didnt make much while paying in to ss for 12 years, and would get only 1428$, i earned 1428 according to their figures but they are stealing it. BTW... It is wrong to steal....

[@scottg5588]

@@randymccammon468 Yep, sounds familiar.

[@DaB1865]

He needs to sign before the new Congress is sworn-in. Hopefully, by 12/31/24.

[@Patricia-n5u-j6m]

@@zynxmynx69 fingers crossed it does NOT become a pocket veto due to Mr. Biden not signing it before Congress adjourns Jan 3rd. He will be signing it for certain. It had bipartisan sponsors and support in both the House and Senate.

[@kevinkoepke8311]

This is the best explanation I've seen. The examples made the difference. Thanks!

[@NorCAL_Stacker]

I'm only getting $241 a month of social security thanks to the WEP. I was penalized .66%

[@howardfriedman7077]

How much is your pension?

[@robertevans428]

You explained the subject matter very well. I finally understood the bill. Both my husband and I are impacted. Thank you so much

[@ErinTalksMoney]

You are very welcome! 🙏

[@stevenpecos2756]

You're so AWESOME 👍

[@jonwiersig5800]

Erin, thanks for the great video explaining WEP and GPO. I had no idea that my wife as a retired school teacher would have ended up with zero spousal and survivor benefits without this repeal.

[@jamesellery9238]

This is what happens when side deals are made by congress that exempt certain groups from laws. If everyone were treated the same then "fairness" would rule the day. The need for this bill could have been avoided by requiring all jobs to contribute to Social Security from the very beginning and not allowing for any exceptions. Those who did not pay into Social Security had the benefit of higher paychecks all of their working lives, and now in retirement, are receiving less than their private sector counterparts, and that hurts. The problem with this bill is that it still does not treat everyone the same. It does not take into account ALL earned income like it does for private sector workers. That said, fair or unfair, I am happy to see someone getting more of what they contributed back from the government, even if it isn't me.

[@jdilksjr]

Sorry, but there was no higher paycheck. What would have gone to Social Security went to the retirement system. The paycheck was the same.

[@zx9124]

Or removed the CAP

[@shloopter30]

Great info! How does this impact an 80 year old woman who worked most of her career in public teaching sector but has less than 40 quarters in private? Her ex-husband of 20 years is retired (still living) and has his SS benefits. Can she now apply for the spouse benefit? Prior to the GPO repeal, her benefit was reduced to zero.

[@redblur389]

Hi Erin! Thank you for covering this subject. I just retired from the fire department, and by the time I'm truly done working, I will have also worked in the private sector and paid into social security for a total of 18 - 20 years. WEP was going to invalidate those 18 - 20 years of earnings simply because my other working years were covered by a pension. I really hope Biden signs this bill! Please keep us updated either way.

[@southbound1969]

@@redblur389 You may have to give 10% to the big guy.

[@ecuador9911]

I retired under CSRS and soon became eligible for SS, but because I was a Federal CSRS retiree, I was hit with WEP and GPO provisions to the point that my SS “benefit”, which I earned, small as it was, with wages from which SS was withheld, was greatly reduced. I’m still trying to determine that “windfall” they were trying to “eliminate.” My SS “benefit” was so small that it never even covered my Medicare Part B premiums, which I had to pay annually myself. I’m hoping this repeal will help pay MC pt B for me. Glad to see it repealed, but still looking for that “windfall” I never figured out.

[@Coke73]

Basically in the same boat as you. About 10 years ago SS told me, I was entitled to $900 a month. I told the SS guy that he did not know what he was doing, because of Reaganomics and the fact I received a CSRS pension. He said OMG your correct and boom my SS was reduced to $300 a month. Hopefully Reaganomics being repealed will get some $$$ back. Cost me Apx $70,000 so far.

[@frankt1720]

Joe still needs to sign this. He has named the bald eagle the national bird since this has passed. I don't receive a government pension but I hope he signs this and doesn't pocket veto the bill.

[@tothra]

And Joe gave a shocking generous pardon to his, IMO, horrible kid, and commuted the death sentences of some of the worst murderers in prison, but has yet to sign legislation that will actually help people like firefighters and police officers who devoted their life, their physical health and mental health to public service. I need a bumper sticker on my car that reads "Ask me why I despise Joe Biden"

[@mat72-k1q]

Starting to look like a pocket veto.

[@billrahn8723]

You are correct. The bill needs Biden’s signature. I have just seen a few articles expressing concern as to why Biden didn’t sign the bill. Apparently he signed at least 50 other bills but not this one. Biden is reportedly away on a holiday vacation. We shall see what happens next.

[@tothra]

I'm always impressed how Erin can take overly complicated concepts and formulas and make them understandable. I worked for 20 years in private industry, paying Social Security taxes. I wanted greater job satisfaction. Not knowing about WEP & GPO, I became a first responder in my community. Imagine my frustration a few years later when I learned about these provisions. I was thrilled when both houses of Congress overwhelmingly approved their elimination. Imagine my frustration as I watch our current president pardon his son and commute the sentences of some of the adjudicated murderers whose killings are so shocking and vile, I doubt they would be allowed past FB community standards, yet he has not signed this legislation into law. But my fingers are crossed. Last year I ran the calculation on SSA.gov that Erin refers to. I found out that my SSA benefit after WEP deduction will be reduced so much that it'll not even cover my Medicare Part B benefit, the drug plan and the supplemental Medicare plans I'll choose when I retire in 2026 or 2027. And the GPO will reduce my wifes SSA benefit to zero. In less than four years, this president has forgiven college loan debt of approximately $175 billion dollars, and I've no clue how much money has been spent on illegal migrants to live in hotels and get free healthcare. While I'm normally a deficit hawk, I firmly believe the WEP & GPO are wrongs against some of our best citizens that deserve to be corrected. Thank you, Erin for tackling a political hot potato among some people, and doing it in as neutral a way as possible. Now go on vacation! You deserve it 😊

[@rogerclark9285]

If Biden does that the democrats can kiss 2028 goodbye. Without support from the public service unions they don't have a chance.

[@TheCooperstown1989]

I retired after 31 yrs as a U.S. Customs Officer. Prior to and after I worked several jobs totally 22 yrs while paying into social security. My unjust reduced social security benefit has been a constant annoyance to me. I 'm shocked and overjoyed that the WEP/GPO have finally been repealed. The lost benefit over the last 11 yrs is approximately $40000.00! As to those that are raising the insolvency issue of the social security fund with the repeal, I have a simple solution. Rand Paul recently released his Festivus list of wasteful spending totalling 1 trillion dollars. What if that 1 trillion dollars was budgeted to prop up the social security fund? Makes sense to me instead 2.7 million dollars to study Russian cats walking on a treadmill for example!!!

[@AverysMoneyMoves]

The reduction of spousal and survivors benefits was especially stupid! I worked for a public retirement system as a call center rep and talked to people who were negatively impacted by these provisions every day, so glad they are getting rid of this.

[@krg038]

The whole thing was stupid. It and SS tax started with republican Ronald Reagan in 1982 and still congress has done nothing to fund social security from running out.

[@automationbyrob]

Actually I see why it was done originally. Say both spouses worked a private sector job. Let's say each got $2000 a month for SS for a total of $4k. One dies and then the remaining spouse only gets their benefit so that person loses $2000 a month. Where couple #2 one person has a $2000 pension and the other has a $2000 SS payment. Now add in spousal benefits of $1k (50% of SS spouses benefit ) Now that couple gets $5k per month which gets them extra grand aka the double dip. The person with SS dies and the surviving spouse would still get $4000 a month. That is what the law was to stop and make things fair. Since the pension takes the place of SS which is why you don't pay SS taxes then in my opinion the couples should have similar incomes but do not when these are repealed. The one area with the old law I disagree with is if a person worked under both a pension and SS, then that person should get the benefit from both then that person should get both benefits without a reduction.

[@timnichols3795]

You are not correct. If GPO is repealed, you could have two people with identical lifetime earnings, one of whom paid into Social Security, and one of whom didn’t, and the person who didn’t pay into Social Security would qualify for a survivor’s benefit, but the person who did pay into Social Security wouldn’t. That isn’t fair at all!

[@krg038]

@@AverysMoneyMoves thank the 1982 congress and republican president Ronald Reagan.

[@zx9124]

@@timnichols3795 This is exactly where the confusion begins. Your benefits we not stolen, they were scaled, based on the number of YOCs, if you received a NON-COVERED pension. Just like most of us, Part (A), from any PRIVATE sector job, contributes 100% in SS taxes. Part (B), from any PUBLIC sector job, contributed 0% in SS taxes, if it was a NON-COVERED pension. A=1 B=0 A+B=1

[@RookieGardner]

this blew me away when I heard it was actually going to happen, as a police officer for 30+ years, this was always considered a pipe dream that politicians would talk about during election season to get our union support but never followed through. It is going to effect a lot of people I know for the better...

[@robertstanton1668]

The old man needs to sign it, and he hasn't so far.

[@cdub1955]

and these dim lightbulbs cannot figure out, he is busy commuting sentences of pedophiles

[@southbound1969]

@@robertstanton1668 He's eating ice cream

[@megabyte01]

Let's hope he pocket vetos it

[@roburb73]

If this old man doesn't sign it, the incoming old man may. 🤣

[@CptTyred]

@@roburb73If Joe doesn’t sign, the bill is doa and needs to be reintroduced next year.

[@austinjean6]

what about foreign pensions that were included in a WEP reduction? is there now no reduction to social Security payouts if you have 21 years of SS contributions?

[@Vegaswill714]

My wife worked for 30 years in private sector jobs, 20 in a position (School District) with a public pension. Her public sector pension was not very much, because she was in a low earning position and only worked 20 years. (It went by increments of 10, she would have had to work 30 years to get a significant bump in pension.) However, her social security was reduced by 50% because of the WEP. Luckily, I had a 50 year career myself and we are okay. However, I have often thought of what her life would be like if she were single and didn't have my retirement income. She would have trouble paying for food and be borderline homeless. The WEP really is not fair.

[@WilliePope-dh7ok]

I've had my social security reduced down to $740 a month and I have worked for school system for 16 years but I also work over 40 years where social security was taken out and I am so glad to hear that they're going to do away with that and now I can finally get my just results and my senior age

[@WilliePope-dh7ok]

When does this all go in effect since Biden has signed it into a law

[@nancyumass]

GPO was extremely unfair to stay at home Moms who returned to work after raising children and went into the public sector. Very relieved.

[@11227denis]

How was it unfair? They got to be stay at home moms while other women were working.

[@jwg9338]

@@11227denis forget SAHM, public sector jobs pay about double the real market value

[@tgunnarson]

Unfair how? You paid into a public sector pension program, did NOT pay into Social Security and it was all explained to you when you (or your spouse) started working. What's not fair is for those of us who have (and are) paying into SS to pay for people who have NOT. Can I now receive benefits from a public sector pension that I didn't pay into?

[@mflong100]

@@tgunnarson did you actually watch the video? This is about people who paid into both systems, not people who did not pay into SS. The OP didn’t watch it either because she missed what this was about, too.

[@penelope5500]

What's unfair, imo...is married spousal benefits. People always like to make this about SAHM's (lifestyle choice) but guess what? Your atty's. wife, who never did anything more strenuous than going to lunch w/ her friends, is also entitled to half of hubby's $4,000 a mo. SS ck.

[@jkerwin9558]

I am a retired FF. However, I worked and earned all my credits defined by SS prior to my public service job. I retired at 55 with a pension and was affected by the WEP. I began withdrawing my SS at 62 and 1/2. My benefit was "means tested" and reduced by 1/3. It is a sore spot, in that I paid into the system but didn't receive back what I contributed. So, I'm happy it was repealed. I do not rely on my SS payment, I invest it. I also hope they stop taxing our benefit. Now why do I not have to rely on my SS benefit? My wife and I retired debt free, no mortgage and live well below our means. That's the key to most retirements. Do not rely on SS alone as a retirement. Pensions are going away and the younger generation really has to start thinking about funding their own retirements along with knowing lifestyle needs and expenses. Budgets are a great benefit.

[@WilliamSmidt1]

That the problem. President has not signed it yet. He only has 10 days to sign it from the date that it was approved by the Senate. That was on the 21st, and is now the 27th.

[@krg038]

He has until the 31st. 10 days

[@willywold9090]

@@krg038actually they don’t count Sundays so it can die if not signed by the 31st

[@RogerGreen-bk8rp]

The bill has not left senate

[@RogerGreen-bk8rp]

Go to congress.gov hr 82

[@zynxmynx69]

He either 1) secretly signed it already, 2) will sign it when he gets back from holiday, or 3) fingers crossed it becomes a pocket veto

[@KathleenFigueroa-bb1hh]

I worked 47 years with government and 9 years paying into ss. My husband's job paid into ss the entire time and will get ss. I thought I would be able to get ss from him but was told nope! My understanding now is that I can get his ss now. I really hope this is true to my understanding of the repeal.

[@Ripplesinthewaters]

Wow! I’m only finding this now, a year later! I’m a teacher of 24 years. I thought I was so screwed! I’m really happy about this!

[@Po1itica11yNcorrect]

Biden still has to sign it. Otherwise, the bill dies.

[@johnpena-doc8977]

Thank you Erin! This is great news. I hope this repeal isn't repealed before I retire in 10 years.

[@rob46872]

This is great news! I have a federal government pension but in my early work years I contributed to Social Security. This will allow me to return to work and then qualify for SS benefits.

[@marciacallender-h1h]

Excellent explanation thank you!!! It will affect me! Worked 31 yrs at the VA and had 40 quarters in private sector. An extra $350 a month will be a big deal in buying groceries etc.

[@VictorGarcia-wn1je]

Why hasn’t Biden signed????

[@howardfriedman7077]

He just received the bill today and has 10 days to sign it.

[@mimidenden]

@@howardfriedman7077 Well he had better sign it. He can send billions over to Ukraine, while SSI steals what I earned. Tired of these crooks.

[@DavidCR7-s6s]

Too busy signing all the pardons

[@howardfriedman7077]

@@DavidCR7-s6s Really? You truly think so?

[@zx9124]

He forgot

[@brendaberry]

Thank you so much for explaining it so well. I just retired from a government job after 31 years of service. It took me years to understand how the WEP and GPO affected me. I was going to get zero of my ex-husband's SS and I had to work a second job during my career to make ends meet and I would have gotten only a third of my earned SS benefit. I was repulsed! And where did all of the money go for 40 years that was taken from millions of people? I am beyond thankful to Congress for finally being convinced how unfair this rule was!

[@danhutcheson7977]

I worked in private sector job for 35 quarters worth, then worked for federal Gov for almost 34 years, making less than what I would have doing the same thing in the private sector. I retired from federal service and started my own business and paid into the system again for 5 quarters....enough to account for a little more than 40 quarters. My SS check is a whopping 160.00 per month......THAT is the effect of the WEP.....someone PLEASE wake Joey up and have him sign this...PLLLLEEEEEEEZZZZZZEEEE.....

[@timnichols3795]

Dan, If I recall correctly, everybody in your family has been negatively affected by WEP and GPO, and multiple times. Are you a robot by chance?

[@zx9124]

@@timnichols3795 Or a plant Saw 1 story yesterday that mirrored the ant and grasshopper fable. Does KZbin have a verified icon. I cut-n-paste because of the pain to type, but there is something fishy going on

[@danhutcheson7977]

@timnichols3795 real live human being here

[@timnichols3795]

@@danhutcheson7977 ...I feel your pain, but in doing the math backwards (I've gotten passionate enough about this that I've built a WEP calculator in Excel), assuming you started your benefit at full retirement age, and $160 is your gross monthly amount, you're only being docked about $200 per month for WEP. The average CSRS pension is about $4000 right now, I think, and the average Social Security benefit is only about $1900. That same math shows that you're getting about a 40% return on what you paid into Social Security, which is exactly the replacement rate that FDR and the people who created Social Security intended for everybody. If WEP went away, you'd be getting a 90% return on your investment into Social Security, which is astronomically higher than what a person with the same exact lifetime earnings as yourself who paid into Social Security their entire life would be getting. That isn't fair for obvious reasons, and that's why this law makes no sense.

[@zx9124]

@@danhutcheson7977 Then,..........Your benefits we not stolen, they were scaled, based on the number of YOCs, if you received a NON-COVERED pension. Just like most of us, Part (A), from any PRIVATE sector job, contributes 100% in SS taxes. Part (B), from any PUBLIC sector job, contributed 0% in SS taxes, if it was a NON-COVERED pension. A=1 B=0 A+B=1

[@suzannegaslin6107]

Thanks for the info. You explain it very well. I loved the outtakes. It makes you relate-able.

[@ErinTalksMoney]

Glad you found it helpful - I try to keep things light and relatable!

[@happycampers6592]

Excellent presentation! The Fairness Act and WEP/GPO are widely misunderstood and it appears that many would rather just blast out misinformation and hateful comments instead of making an effort to learn the facts. I am a retired firefighter (not yet drawing SS) and also paid SS for 40 years. I'll be quite relieved when Biden signs it into law. I currently have 27 years of substantial earnings, so the penalty is minimal, but I want my 90%. Thanks.

[@rarelycares8416]

Thanks for reporting on this. It affects my wife and I, but not for a few more years. I worked 36 years in the private sector, and my wife worked 25 years in a municipal job and 11 years in the private sector at a lower wage. Now I need to change our plans and will have her apply for her small SS benefit at 62 and I will apply at 67 (instead of the planned 70) so she can get the spousal benefit. I had always heard of this penalty, but never really understood it until you explained it.

[@southbound1969]

As of now Biden has not signed it yet, he's on another vacation.

[@dkslots8737]

Neither will trump. They don't want you to win

[@howardfriedman7077]

south: He just received the bill today and has 10 days to sign it (Not counting Sundays).

[@pauls6677]

@@howardfriedman7077 yes stand corrected. Congress.gov just changed it to the president

[@southbound1969]

@howardfriedman7077 thnx

[@davidbach7003]

I don't think he has golfed one day.

[@GeraldTobey-i3d]

The repeal of the WEP & GPO is way overdue. My wife worked for the Federal Gov't for most of her career. After retiring she work in private sector for the last 17 years. Her SS benefits were reduced and after medicare premiums she only receives $41 per for the last couple of years and zero before that. She did not qualify for spousal benefits under my SS record. Hopefully she will now receive over $1000 per month (1/2 of my benefit) and a large back payment. I am so happy that these unfair provisions have finally been repealed. I just wonder how long it will take SSA to make the changes required to get the payments to her. I am sure they will be scrambling to try to do it quickly but it will take some time.

[@michaelbartlett6864]

The social security solvency problem can be totally fixed by raising the cap on the wealthy.

[@iphonedoc]

Jealous are we? You should have made more money.

[@michaelbartlett6864]

@@iphonedoc Jealous? You're clueless!

[@larrynelson7839]

​@@iphonedoc We should be thankful for what we have and not disparage those who are not as fortunate as you are. I agree with Michael that the Social Security cap should be raised; unless congress does something SS benefits will be cut by 2034. With the baby boomers retiring there are fewer people contributing to SS, which which has led to a decline in the ratio of workers to beneficiaries. The earnings cap is only $168,600 for 2024.

[@SandfordSmythe]

Do you want to turn SS into a welfare income distribution program? FDR deliberately tried to avoid this.

[@artlover4ever974]

Great information and very well done!!! Thank you!

[@abnmp7865]

I’m not effected by this since with my pension I also paid into SS. The Jane example would only work if Jane earned the same amount in 20 years that she paid into SS as the other guy earned in 30 years. That would be the only way she would get the same amount in SS when she retired. If I worked in a job that didn’t require SS and I took that money and invested it I could have a large retirement fund and not be affected by this. But that same job gave me a pension I’m affected??? WEP- My lifetime earning that I paid SS entitles me to a SS check. But since I got a pension I deserve less? Remember the 20-30 years working for the pension doesn’t count for SS. GPO- This is more complicated. Getting half of the spouses check because you don’t have higher lifetime earnings because you didn’t pay SS isn’t good. They should recalculate including the untaxed earnings and calculate from there. Same with the death of a spouse. If your actual lifetime earnings were less then ok. If not then the pension makes up for it. Honestly they need to eliminate jobs that don’t collect SS tax.

[@paulg3316]

The WEP does not “completely eliminate” a worker’s SS - it only reduces it. Instead of getting 90% of the first bend point of the AIME they would get 40%. Yes, the GPO could completely eliminate the spousal benefit.

[@willywold9090]

Not unless the president signs it which as of now has not.

[@howardfriedman7077]

He just received the bill today and has 10 days to sign it (Not counting Sundays).

[@crawford323]

How is it double dipping when you paid into SS and you paid into a, in my case, a State Teachers retirement system. Our benefits are both calculated on what was paid in. How is this double dipping?