Social Security: Government Workers' Benefits May Be Smaller Than Expected

Retirees who have been government workers or whose spouses have been government workers may be in for a surprise when they file for Social Security retirement benefits. What they may not realize is that the benefit values listed on page two of their Social Security statement (downloadable at are estimates only. These estimates can differ significantly from their actual benefits due to the effect of government employment.

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Comments (2)
I am questioning this sentence: If a worker had 30 years or more of these wages, there is no WEP reduction.

I am an federal employee with 34 yrs of government employment. Iwill turn 55 yrs old in October of this year.

I plan to retire this year Dec. 30th.

I did work 'partime' in my late teens and 20's - earning 23 credits toward social security. I would need 17 more credits (apprx 4.5 yrs) of private sec employment to qualify of social security benefits. I did make an appointment with SS and found that if I did earn the 17 credits and when I am 66 and 10 months old I could draw SS and it would be an approx $91.23 a month. To me it is not worth while for me to earn 17 credits after I retire this year.

So, are you saying with my government pension of 34.6 yrs. I would not fall in the 'windfall' program?
Posted by Donna K | Monday, June 09 2014 at 11:48AM ET
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Posted by Kathy J | Thursday, June 26 2014 at 4:35PM ET
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