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NEA Issue Explainer

Retirement Security

Educators in some states are denied Social Security benefits they’ve earned. NEA is pushing to end this injustice by enacting federal legislation.
NEA-Retired Members at NEA's Annual Meeting Gerald Lillard
Published: December 2, 2021
This issue explainer originally appeared on NEA.org

More than 2.5 million people dedicated to public service, including many educators, have their Social Security benefits reduced—or lose them entirely—due to the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO).

  • The WEP reduces the Social Security benefits of people who work in jobs covered by Social Security and jobs NOT covered by Social Security over the course of their careers—for example, educators compelled to take part-time or summer jobs to make ends meet.
  • The GPO reduces—or eliminates—the Social Security spousal or survivor benefits of people who also get a pension based on federal, state, or local government employment NOT covered by Social Security.

Help ensure that educators get the Social Security benefits they’ve earned. Ask Congress to fully repeal both the GPO and WEP. 

Helpful Resources

Calculator

WEP Calculator

If you are expecting to receive a pension based on work not covered by Social Security, it may reduce the amount of Social Security benefits we can pay you.

GPO Calculator

The Government Pension Offset, or GPO, affects spouses, widows, and widowers with pensions from a federal, state, or local government job. It reduces their Social Security benefits in some cases.
NEA-Retired members attend a meeting

Talking Points

These bullet points break down GPO and WEP and the bills that would repeal them.

Get Involved

NCAE is North Carolina’s leading voice for children, families, and the public schools they count on. By working with parents, families, and community groups, NCAE is leading a movement to build excellent public schools that will nourish the minds of future generations and center public schools as the heart of our communities. Get involved today!
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It's More Than a Job, It's a Career!

Education Support Professionals (ESPs) are vital to our schools, communities, and our movement.
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A leading voice for educational excellence

The North Carolina Association of Educators (NCAE) is our leading voice for educational excellence, for children and their families, and for the public schools they count on. As the public school employees union and the largest association of professional educators in North Carolina, our membership extends to all 100 counties and includes teachers, non-classified school staff, administrators, students, retirees, and community allies. NCAE believes that every child has a right to a high-quality education, an excellent teacher, and a well-funded school.