If you receive a Federal pension and are also eligible for Social Security benefits based on your own employment record, a different formula may be used to compute your Social Security benefit. This formula will result in a lower benefit. The Windfall Elimination Provision affects workers who reach age 62 or become disabled after 1985 and are first eligible for a Federal pension after 1985.

Who it applies to

The Windfall Elimination Provision DOES NOT apply if:

  • You were eligible to retire before January 1, 1986; or
  • You were first employed by the government after December 31, 1983; or
  • You have 30 or more years of substantial earnings under Social Security