If your client or your client's spouse is a public sector employee and one of them expects to claim spousal Social Security benefits, be sure to read the fine print because the Social Security Administration may limit expected benefits.

There are two separate Social Security regulations which can reduce spousal benefits when either spouse has worked as a public-sector employee. The Windfall Elimination Provision and the Government Pension Offset have different features and are easy to confuse with one another.

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