If you receive a pension from work that is not covered by Social Security, you may be wondering how this will affect your Social Security benefits. It's important to understand that your Social Security benefits may be reduced if you receive a pension from work that is not covered by Social Security. This is because of a provision in the Social Security Act called the "windfall elimination provision" (WEP).

The WEP is designed to reduce the Social Security benefits of individuals who receive a pension from work that is not covered by Social Security, such as work in the federal government or a foreign country. The purpose of the WEP is to prevent individuals from receiving a "windfall" by getting both a pension and Social Security benefits based on the same work.

The WEP applies to individuals who receive a pension from work not covered by Social Security and who also receive Social Security benefits based on their own work. If you are in this situation, your Social Security benefits may be reduced by a formula that takes into account your years of work and your pension amount.

The WEP does not apply to individuals who receive a pension from work that is covered by Social Security, such as work in a state or local government. In this case, your Social Security benefits will not be reduced.

It's important to note that the WEP does not completely eliminate your Social Security benefits. Rather, it reduces the amount of your benefits based on a formula that takes into account your years of work and your pension amount. The amount of the reduction will depend on your specific circumstances and the amount of your pension.

To calculate the amount of the reduction under the WEP, the SSA uses a formula that takes into account the following factors:

Your years of work: The SSA looks at the number of years you worked in a job that is not covered by Social Security, as well as the number of years you worked in a job that is covered by Social Security.

Your "primary insurance amount" (PIA): The PIA is the amount of your Social Security benefits that you are entitled to receive based on your work history. It is calculated using a formula that takes into account your earnings and the number of credits you have earned.

Your pension amount: The SSA looks at the amount of your pension from work not covered by Social Security.

Using these factors, the SSA calculates the amount of the reduction to your Social Security benefits based on a formula that is set forth in the Social Security Act. The amount of the reduction will depend on your specific circumstances and the amount of your pension.

If you are receiving a pension from work not covered by Social Security and you are concerned about how this will affect your Social Security benefits, it's a good idea to contact the SSA and discuss your situation with them. They can provide you with more information about the WEP and how it will apply to your specific circumstances.

It's worth noting that the WEP does not apply to everyone who receives a pension from work not covered by Social Security. There are certain exemptions and exceptions to the WEP that may apply to you. For example, if you are receiving a pension from work not covered by Social Security and you also receive Social Security benefits based on the work of your spouse or ex-spouse, the WEP will not apply to you.