If you paid Social Security tax on 30 years of substantial earnings you are not affected by the Windfall Elimination Provision (WEP).

Note: You can find a table that lists the amount of substantial earnings for each year at the bottom of the second page of our Windfall Elimination Provision fact sheet.

The following chart shows the maximum monthly amount your benefit can be reduced because of WEP if you have fewer than 30 years of substantial earnings. (To calculate your WEP reduction, please use our WEP Online Calculator or download our Detailed Calculator.)

Important: The amounts in the chart do not reflect the effect of cost-of-living adjustments, early retirement, delayed retirement, or other factors.

Example: WEP reduces your Eligibility Year benefit before the annual cost-of-living adjustment (COLA) is added to your benefit.

If you became disabled in 2008 (ELY 2008), presume the WEP reduced your $1,356 benefit to $1,000.

In January, 2009 the 5.8% COLA increased your benefit by $58 ($1,000 x 5.8% = $58).

More examples of how other factors affect your retirement or disability benefits can be found in Examples: How the Windfall Elimination Provision Can Affect Your Social Security Benefit.

How To Use The Chart

The chart is easy to use.

  1. Go to the Eligibility Year (ELY) column to find the year you reach age 62 or became totally disabled (if earlier). If your birthday is on January 1st, use the year before you reach age 62.

  2. Go to the column that shows the number of years you paid Social Security tax on substantial earnings. The amount shown is the maximum your benefit can be reduced in your Eligibility Year because of the Windfall Elimination Provision (WEP).

    Note: If your retirement benefits start after full retirement age or your non-covered pension starts later than your eligibility year, the WEP reduction may be greater than the maximum shown in the chart.


Maximum Monthly Amount Your Benefit May Be Reduced Because Of The Windfall Elimination Provision (WEP)*
ELY Years of Substantial Earnings
20 or less 
21 
22 
23 
24 
25 
26 
27 
28 
29 
30 
1990 $178.0 $160.2 $142.4 $124.6 $106.8 $89.0 $71.2 $53.4 $35.6 $17.8 $0.0
1991 185.0 166.5 148.0 129.5 111.0 92.5 74.0 55.5 37.0 18.5 0.0
1992 193.5 174.2 154.8 135.5 116.1 96.8 77.4 58.1 38.7 19.4 0.0
1993 200.5 180.5 160.4 140.4 120.3 100.3 80.2 60.2 40.1 20.1 0.0
1994 211.0 189.9 168.8 147.7 126.6 105.5 84.4 63.3 42.2 21.1 0.0
1995 213.0 191.7 170.4 149.1 127.8 106.5 85.2 63.9 42.6 21.3 0.0
1996 218.5 196.7 174.8 153.0 131.1 109.3 87.4 65.6 43.7 21.9 0.0
1997 227.5 204.8 182.0 159.3 136.5 113.8 91.0 68.3 45.5 22.8 0.0
1998 238.5 214.7 190.8 167.0 143.1 119.3 95.4 71.6 47.7 23.9 0.0
1999 252.5 227.3 202.0 176.8 151.5 126.3 101.0 75.8 50.5 25.3 0.0
2000 265.5 239.0 212.4 185.9 159.3 132.8 106.2 79.7 53.1 26.6 0.0
2001 280.5 252.5 224.4 196.4 168.3 140.3 112.2 84.2 56.1 28.1 0.0
2002 296.0 266.4 236.8 207.2 177.6 148.0 118.4 88.8 59.2 29.6 0.0
2003 303.0 272.7 242.4 212.1 181.8 151.5 121.2 90.9 60.6 30.3 0.0
2004 306.0 275.4 244.8 214.2 183.6 153.0 122.4 91.8 61.2 30.6 0.0
2005 313.5 282.2 250.8 219.5 188.1 156.8 125.4 94.1 62.7 31.4 0.0
2006 328.0 295.2 262.4 229.6 196.8 164.0 131.2 98.4 65.6 32.8 0.0
2007 340.0 306.0 272.0 238.0 204.0 170.0 136.0 102.0 68.0 34.0 0.0
2008 355.5 320.0 284.4 248.9 213.3 177.8 142.2 106.7 71.1 35.6 0.0
2009 372.0 334.8 297.6 260.4 223.2 186.0 148.8 111.6 74.4 37.2 0.0
2010 380.5 342.5 304.4 266.4 228.3 190.3 152.2 114.2 76.1 38.1 0.0
2011 374.5 337.1 299.6 262.2 224.7 187.3 149.8 112.4 74.9 37.5 0.0
2012 383.5 345.2 306.8 268.5 230.1 191.8 153.4 115.1 76.7 38.4 0.0
2013 395.5 356.0 316.4 276.9 237.3 197.8 158.2 118.7 79.1 39.6 0.0
2014 408.0 367.2 326.4 285.6 244.8 204.0 163.2 122.4 81.6 40.8 0.0
2015 413.0 371.7 330.4 289.1 247.8 206.5 165.2 123.9 82.6 41.3 0.0
*Important: The maximum amount may be overstated. The WEP reduction is limited to one-half of your pension from non-covered employment.