Calculate Your 2025 Social Security Benefits (WEP Repealed)
Estimate how the WEP might affect your Social Security benefits based on 2025 projections.
Calculator Inputs
Select your year of birth.
Select the year you plan to start receiving Social Security benefits.
Enter the number of years you had substantial earnings covered by Social Security.
Years you earned enough to qualify as 'substantial earnings' under Social Security (0-40). The projected 2025 substantial earnings amount is $31,275.Enter your gross monthly pension amount from work where you did not pay Social Security taxes.
Enter your estimated monthly Social Security retirement or disability benefit amount before any WEP reduction. You can find this on your Social Security statement.
Estimated Results (2025 Projections)
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Notes:
- Calculations use projected 2025 figures (First Bend Point: $1,204). Actual amounts may vary.
- The maximum WEP reduction is limited to 50% of your non-covered pension.
- This calculator provides an estimate only and does not cover all situations (e.g., disability benefits starting before full retirement age, complex eligibility rules, or the GPO).
- The special phase-in rules for those eligible for Social Security benefits before 1986 are not fully implemented in this simplified calculator.
- Consult the official Social Security Administration (SSA) website or a financial advisor for definitive information.
How to Use This Calculator
1
Enter Your Details
Input your birth year, planned retirement year, and years of substantial Social Security earnings.
2
Provide Financial Info
Enter your monthly pension amount from non-covered work and your expected SS benefit (before WEP).
3
Calculate
Click the "Calculate WEP Reduction" button or simply adjust any input field to see the results update automatically.
4
Review Estimate
Check the estimated reduction and your adjusted Social Security benefit amount displayed on the right.
Social Security Fairness Act FAQs
What is the Social Security Fairness Act and who does it help?
The Social Security Fairness Act, enacted on January 5, 2025, eliminates the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO). These rules previously reduced Social Security benefits for over 2.8 million people with pensions from non-Social Security-covered jobs. The act restores full benefits for workers like teachers, firefighters, police officers, federal employees under CSRS, and those with foreign pensions. It ensures these individuals receive the Social Security benefits they earned without unfair reductions. For more details, visit the SSA Fairness Act page.
Will every teacher, firefighter, police officer, or public worker receive a benefit increase?
Not all public workers will see an increase. Only those with pensions from non-Social Security-covered jobs are affected. About 72% of state and local public employees are already in Social Security-covered roles, so they are unaffected. Teachers, firefighters, and police officers in states without Social Security coverage may qualify for higher benefits. Check your Social Security Statement to confirm eligibility.
When will a person see their Social Security benefit increase?
Benefit increases began in late February 2025, with retroactive payments issued by March 2025 for benefits back to January 2024. Most people received their new monthly amounts in April 2025. All updates should be complete by November 2025. SSA is processing claims automatically where possible, but complex cases may take longer. Track progress by state or zip code on the SSA website.
By how much may a person's monthly benefit increase?
The increase varies based on individual circumstances. Some may see small changes, while others could gain over $1,000 monthly. On average, impacted individuals receive about $360 more per month. The exact amount depends on the type of Social Security benefit and the non-covered pension amount. Contact SSA for a personalized estimate.
How far back might they receive increased benefits?
Increased benefits are retroactive to January 2024, when WEP and GPO were repealed. Beneficiaries receive a lump sum for the months from January 2024 until their benefits are adjusted. For example, if adjusted in March 2025, they get payments for January and February 2024. This ensures fair compensation for prior reductions.
What should people do now?
Ensure SSA has your current contact details via mySocialSecurity. If you haven’t applied for benefits yet, apply now at SSA Apply for retirement or spouse’s benefits, or call 1-800-772-1213 for surviving spouse’s benefits. Over 145,000 new applications have been processed, with most completed. Update your direct deposit to receive payments smoothly.
What if I was paying Medicare premiums directly due to WEP/GPO?
Continue paying premiums until you receive an SSA notice that your benefits have started. Once benefits begin, Medicare premiums will be deducted from Social Security payments. Stop any Medicare Easy Pay or Online Bill Payment through Medicare Easy Pay or your bank. Call 1-800-MEDICARE for assistance with premium transitions.
What happens to Medicare premiums if they were deducted from my CSRS annuity?
SSA will now deduct Medicare premiums from your Social Security benefits instead of your CSRS annuity. You’ll receive a notice explaining this change. Overpayments will be refunded with your back payment or by the end of the quarter. Contact SSA if you don’t see a refund within six weeks.
Why did I receive a request for my pension amount?
SSA needs your pension details to verify payments for months before January 2024, when WEP and GPO still applied. This ensures accurate retroactive benefits. You don’t need to report changes unless requested. This is a standard part of the adjustment process to confirm your benefit calculations.
How can I avoid scams related to the Social Security Fairness Act?
SSA never asks for payment to process benefits. Ignore offers claiming to speed up or increase your benefits for a fee. Protect yourself by visiting SSA Scams for information on recognizing and avoiding scams. Report suspicious activity to SSA immediately.
What is SSA doing to inform people about the Social Security Fairness Act?
SSA has created a dedicated webpage with updates and allows subscriptions for notifications. They’ve added messaging to their National 800 Number and plan meetings with state boards and unions. The webpage is available in English and Spanish at SSA Fairness Act. Subscribe for updates to stay informed.
What is SSA doing to help affected people?
SSA is automating most retroactive payments and benefit increases for efficiency. Complex cases are handled manually, which may take longer. They’ve already paid over 1.1 million people $7.5 billion in retroactive benefits as of March 2025. Notices are mailed to explain changes and ensure transparency.
What challenges does SSA face in implementing the Social Security Fairness Act?
SSA must adjust benefits for nearly 3 million people, some retroactively. While automation helps, manual processing for complex cases may take up to a year under current budgets. SSA is working to complete all updates by November 2025 but faces significant workload challenges. Beneficiaries are urged to be patient during this period.
Do I need to contact SSA to get my benefits increased, or is it automatic?
Benefit increases are automatic for those already receiving reduced benefits due to WEP or GPO. SSA is proactively adjusting payments and sending notices. You don’t need to contact SSA unless you haven’t applied for benefits or have specific questions. Apply now at SSA Apply if you haven’t already.
How can I check if I am affected by WEP or GPO?
Log into your mySocialSecurity account to review your benefit details. If you have a pension from non-Social Security-covered work and receive Social Security, you may have been affected. Call 1-800-772-1213 if you’re unsure or haven’t received a notice about increased benefits. SSA can confirm your eligibility.