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Social Security Fairness Act Updated

WEP & GPO Repeal Restoration Calculator

Calculate your updated monthly benefit increase and estimated lump-sum retroactive back-pay under the repeal of WEP and GPO penalties.

Why Trust This Calculator

2026 SSA Formulas

Built on the official bend-point and COLA formulas published by the SSA for 2026.

Private & Anonymous

Everything is calculated in your browser. We never store or transmit your financial inputs.

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No account, no email required, no paywall — ever. Just enter your numbers and go.

WEP Restoration Parameters

What you were receiving while subject to WEP reductions.

$

Your baseline unreduced entitlement amount before WEP was applied.

$

The repeal applies retroactively to benefits payable starting December 2023.

Enter your previous and full benefit numbers to calculate your monthly increase and back-pay entitlement.

Legislative Analysis

The Repeal of WEP and GPO: What the Social Security Fairness Act Means for You

With the enactment of the landmark Social Security Fairness Act, both the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO) have been completely eliminated. Public servants, teachers, police officers, and government retirees who were previously subject to reduced Social Security checks now receive their full, unreduced earned benefits.

Retroactive Back-Pay Eligibility (Dec 2023 Onward)

The legislation specifically mandated that the elimination of WEP and GPO penalties apply retroactively to benefits payable starting December 2023. Affected beneficiaries are entitled to receive a lump-sum adjustment payment covering the total withheld offsets from December 2023 through the month of implementation.

ProvisionFormer Rule StatusCurrent 2026 Status
WEP (Own Earnings)Reduced 1st bend point down to 40%100% Repealed (Full PIA Restored)
GPO (Spousal/Survivor)Subtracted 2/3 of public pension100% Repealed (Full Spousal Restored)

Source: SSA — Legislative Updates on WEP and GPO

Frequently Asked Questions (FAQ)

Do I need to file a special application to receive my back-pay?

For most current beneficiaries, the Social Security Administration automatically recalculates monthly benefit amounts and processes lump-sum back-pay directly into the direct deposit account on file.

How can I verify if my account reflects my unreduced benefit?

You can log in to your official my Social Security account using Login.gov or ID.me to view your updated benefit statement and notices.