When it comes to retirement and Social Security, the last thing anyone wants are unpleasant surprises.

When couples are planning for retirement they want to feel secure in the knowledge that the surviving spouse will received anticipated retirement benefits. Many widows count on their spouse’s Social Security benefits for a significant portion of their retirement income.

WEP and GPO offsets are two little-known provisions that under certain circumstances may adversely affect the amount of Social Security benefits a widow receives.

What are WEP and GPO offsets?

WEP stands for Windfall Elimination Provision and GPO stands for the Government Pension Offset.

It’s important to understand these two provisions as both could adversely affect retirement income.

These free guides explain who is at risk and what couples and widows need to know to minimize the impact GPO and WEP may have on their retirement planning. 

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