Updated for 2026 — Estimate Only
Use this tool to estimate a possible WEP reduction. SSA makes the official determination based on your full earnings record.
New/changed laws can affect outcomes. See: Fairness Act status.
Tip: use the estimated monthly benefit shown in your SSA statement (before any WEP adjustment).
If you do not receive a pension from non-covered work, enter 0.
This toggle does not predict policy outcomes. It only shows “what-if” numbers.
Can't remember your earnings? Check table.
Your 2026 estimate
This is a “what-if” comparison, not a promise.
Educational estimate only. SSA uses official formulas and your full record. Results may differ.
Method: bend-point based estimate + years factor + pension cap.
Print for your records or to discuss with SSA or a professional.
FAQ
How is WEP calculated in 2026? +
The estimate is driven by the first bend point (est. $1,226) and your years of substantial earnings. The final reduction is also capped at 50% of your non-covered pension (Guarantee Rule).
What is the substantial earnings limit for 2025? +
For 2025, the substantial earnings limit is $33,250. For 2026, it is estimated to be around $34,250. Use the table for historical thresholds.
How many years do I need to avoid WEP? +
With 30+ years of substantial earnings, WEP may not apply. With 21–29 years, the reduction is typically smaller.
Is WEP repealed in 2026? +
Policy status can change. See our update page and use the scenario toggle to compare outcomes. Fairness Act status.