Social Security WEP Calculator

The Windfall Elimination Provision no longer exists. The Social Security Fairness Act, signed on January 5, 2025, repealed it outright, and the repeal reaches every benefit month from January 2024 onward. If you hold a pension from work that did not withhold Social Security tax, your Social Security benefit is no longer trimmed for it. This tool now shows a reduction of zero and explains what the rule used to do, so you can check a figure you were quoted before the change.

For reference, here is what the provision did while it stood. It replaced the 90% factor that Social Security applies to the first slice of your Average Indexed Monthly Earnings with a smaller one, as low as 40%. Your record of substantial covered earnings set the figure: 20 years or fewer drew the full reduction, each year from 21 through 29 softened it in five-point steps, and 30 years removed it entirely. The largest monthly reduction SSA ever published was $587, for workers first eligible in 2024. Two limits also applied: the cut could never exceed half of the non-covered pension, and it never touched spousal or survivor benefits.

What matters now is what you should do. If your check was already being reduced, SSA raised it and issued a one-time payment covering the increase back to January 2024; adjustments began in February 2025 and the agency reported more than 3.1 million payments by July of that year. If you never claimed because the old rule made it seem pointless, file now, because your application date affects when payments start. Foreign pensions are covered by the repeal too. The single place the old rule still operates is benefit months through December 2023, which surface only in recomputations, appeals and claims filed on behalf of someone who has died.