Windfall Elimination Provision WEP Calculator
The Windfall Elimination Provision (WEP) reduces Social Security benefits for workers who earned a pension from non-covered employment — typically state/local government or foreign service. The reduction can be up to $613/month in 2026. Calculate your specific WEP impact.
Who WEP Affects
WEP reduces Social Security retirement benefits for workers who also receive a pension from work not covered by Social Security — typically teachers in 15 states, federal CSRS employees, certain police/firefighter pensions, and some foreign service. If your career mixed covered (Social Security) and non-covered work, WEP applies.
How The Reduction Works
SSA modifies your PIA (Primary Insurance Amount) formula by reducing the first-bend-point multiplier from 90% to 40% (in 2026). The maximum monthly reduction is $613 in 2026, indexed annually. Reduction is capped at 50% of your non-covered pension — so a $200/month non-covered pension creates at most a $100 WEP reduction.
Eliminating WEP With Substantial Earnings
WEP phases out at 21+ years of substantial covered earnings and disappears at 30+. 2026 'substantial earnings' threshold is approximately $30,750. If you have 30+ years above this threshold, WEP doesn't apply at all — work history matters.
Source: SSA.gov WEP rules, Publication 05-10045, 2026 substantial earnings threshold. Last updated: May 2026.