WEP vs GPO (plain English)
Both rules can reduce Social Security benefits if you have a "non-covered" pension from a government job where you didn't pay Social Security taxes. However, they affect different types of benefits.
1. WEP
Your Own Record
The Windfall Elimination Provision affects your own retirement or disability benefit. It changes the formula used to calculate your check.
2. GPO
Spousal/Survivor Benefits
The Government Pension Offset affects benefits you receive as a spouse or survivor. It usually reduces those benefits by two-thirds of your pension.
Which one applies to you?
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Checking your own check? Use our WEP calculator to see how your years of work impact your benefit.
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Using a spouse's record? You are likely dealing with GPO. Our tool currently focuses only on WEP estimates.
Key Takeaway
It is possible to be affected by both rules if you qualify for your own Social Security and a spousal benefit.
Last updated: February 2026