对这笔意外之财感到兴奋吗？ 我们有关于您退休的潜在坏消息......
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斯蒂芬妮·科尔斯托克
太平洋夏令时间 2023 年 8 月 29 日星期二上午 6:53
在您的整个职业生涯中，您的收入的一部分可能会用于每个发薪期的社会保障福利。 目的？ 当退休时，您可以从该计划中每月领取福利。 这为您在个人退休储蓄之外提供了额外的收入来源。 但是，如果您多年来的工作使您有资格提取养老金，那么这些付款可能会减少您原本有资格领取的社会保障福利。 这种减少称为意外收益消除条款（WEP）。

当您为退休制定财务计划时，请考虑与财务顾问合作。

什么是意外之财消除条款？
意外收入消除准备金（WEP）是一种有效减少某些退休人员的社会保障和残疾福利的公式，这些退休人员在退休期间除了社会保障金之外还领取养老金。

WEP 适用于养老金来自非承保工作或未缴纳 FICA 的社会保障受款人。 如果您没有从工资中预扣社会保障税，然后从该工作中领取养老金，那么您退休时的社会保障福利可能会减少。

1983 年引入了意外之财消除条款作为福利保障。 它阻止某些工人在没有为他们的职业生涯缴纳足够的社会保障的情况下，除了领取养老金之外，还无法领取全额社会保障福利。

WEP 公式考虑了您扣缴社会保障税的年数。 然后，它使用浮动比例来确定您的资格年 (ELY) 福利。

WEP 如何应用
意外之财消除条款影响社会保障和残疾福利。 它计算的公平福利与您从符合资格的工作（扣缴 FICA 的工作）中获得可观收入的年数成正比。 WEP 减少是按滑动比例进行的。 例如，如果您从符合社会保障资格的工作中获得了 30 年或更长的可观收入，即使您还从不受保障的工作中领取养老金，您也可能会收到 90% 的社会保障福利。

但是，如果您从事符合资格的工作并获得丰厚收入的时间不到 20 年，并且从非承保职业中领取养老金，那么您可能最多只能获得社会保障福利的 40%。

WEP 计算先于其他福利调整计算，例如提前退休减少、延迟退休抵免和 COLA。

拨备限额
如果您在领取社会保障福利的同时从非承保工作中领取养老金，则 WEP 很可能适用。 事实上，2020 年 12 月，超过 190 万美国人受到 WEP 的影响。 据美国科学家联合会称，其中大多数是前州和联邦雇员。

然而，这项规定可以减少您的社会保障付款的程度是有限的。 如果您领取的养老金较少，则尤其如此。

WEP 的最高减免额相当于任何非承保就业的养老金或退休福利的 50%。 这意味着，无论您花了（或没有花）多少年从受保障的工作中获得可观收入，您的社会保障福利都不会减少超过养老金支付的一半。

谁可以豁免 WEP？
如果您从不受保障的工作中获得养老金，您的福利将不会自动受到意外之财消除条款的约束。 有一些重要的例外。

您有 30 年或以上的合格收入。 如果您在另一份工作中工作了 30 年或以上，收入丰厚，且扣缴了社会保障，则您可以免除 WEP。 2021 年的可观收入定义为 26,550 美元或以上。此豁免通常适用于首次退休后开始第二职业的退休人员。 这也可能使那些在职业生涯中途换工作的人受益。

您在 1986 年之前就有资格领取养老金。如果您在 1986 年之前有资格从不符合资格的工作中接受养老金付款，则您的社会保障福利不受 WEP 调整的影响。

您是一名联邦雇员，其服务和社会保障保险于 1984 年 1 月 1 日开始。WEP 强制保险条款意味着 1984 年初在职的联邦雇员可以豁免。

您正在领取铁路养老金。 如果您唯一的养老金来自铁路工作，则无需缴纳 WEP。

底线
WEP 旨在防止退休人员获得全额社会保障福利的不公平优势，前提是他们还从未缴纳社会保障的工作中领取养老金。 WEP 可使符合资格的社会保障福利减少多达 60%。 它的最高扣除额等于您养老金付款的一半。 为了避免 WEP，您需要在符合资格（符合社会保障资格）的职位上工作至少 30 年，并拥有可观的收入（2021 年，收入为 26,500 美元或更多）。 其他 WEP 豁免包括铁路养老金、遗属福利、1986 年之前开始的养老金以及社会保障覆盖范围从 1984 年 1 月 1 日开始的联邦雇员。

社会保障小贴士
如果您不确定如何为退休做好最佳准备，请考虑与财务顾问合作，他们可以根据您的需求、时间范围和财务状况建立投资组合。 寻找顾问并不难。 SmartAsset 可以在短短五分钟内为您匹配您所在地区的最多三名顾问。 如果您准备好寻找一个，请立即开始。

如果您喜欢单独行动，请使用 SmartAsset 的资产分配计算器来确定如何在股票、债券和现金之间最好地分配资金。 该计算器根据您的风险状况提出建议，并提供每个资产类别的细分。

您认为您会受到 WEP 的影响吗？ 那么在规划退休储蓄策略时，考虑到福利的减少就很重要。 在某些情况下，您可能需要储蓄更多才能成功获得退休金。 或者您可能需要推迟退休才能达到 30 年豁免门槛
 6park.com
https://finance.yahoo.com/news/windfall-elimination-provision-social-security-155955675.html 6park.com
Excited About That Cash Windfall? We Have Potential Bad News For Your Retirement 
 6park.com
 6park.com
Stephanie Colestock 6park.com
Tue, August 29, 2023 at 6:53 AM PDT 6park.com
Throughout your career, it’s likely that a portion of your income has gone toward Social Security benefits each pay period. The purpose? When the time comes to retire, you are able to draw monthly benefits from this program. This provides you with an additional income stream on top of your personal retirement savings. If your work over the years has made you eligible to draw from a pension, however, those payments can reduce the Social Security benefits for which you would otherwise be eligible. This reduction is called the windfall elimination provision, or WEP.
Consider working with a financial advisor as you make financial plans for your retirement.
What Is the Windfall Elimination Provision?
The windfall elimination provision (WEP) is a formula that effectively reduces Social Security and disability benefits for certain retirees who receive a pension during retirement, in addition to their Social Security payments. 6park.com
WEP applies to Social Security payees whose pension comes from a non-covered job, or one that didn’t pay into FICA. If you didn’t have Social Security taxes withheld from your paychecks and then receive a pension from that job, you can probably expect your Social Security benefits in retirement to be reduced.
The windfall elimination provision was introduced in 1983 as a benefits safeguard. It prevents certain workers from collecting full Social Security benefits in addition to a pension, without having paid into Social Security for enough of their career.
The WEP formula takes into account the number of years you did have Social Security taxes withheld. It then uses a sliding scale to determine your eligibility year (ELY) benefits.
How the WEP is Applied
The windfall elimination provision affects both Social Security and disability benefits. It calculates a fair benefit that is proportional to the number of years that you had substantial earnings from an eligible job (one that withheld FICA). WEP reductions are applied on a sliding scale. If you have 30 or more years of substantial earnings from a Social Security-eligible job, for example, you may receive 90% of your Social Security benefits even if you’re also collecting a pension from a non-covered job.
If you have fewer than 20 years working an eligible job with substantial earnings, though - and receive a pension from a non-covered career - you may only receive up to 40% of your Social Security benefits.
The WEP calculation is applied before other benefit-adjustment calculations, such as early retirement reductions, delayed retirement credits and COLA.
Provision Limits
If you're collecting Social Security benefits while receiving a pension from a non-covered job, the WEP most likely applies. In fact, in December 2020, more than 1.9 million Americans were affected by the WEP. According to the Federation of American Scientists, most of these were former state and federal employees.
However, there are limits to how much this provision can reduce your Social Security payments. This is especially true if you receive a smaller pension.
The WEP has a maximum reduction equal to 50% of pension or retirement benefits from any non-covered employment. This means that regardless of how many years you spent (or didn’t spend) receiving substantial earnings from a covered job, your Social Security benefits will not be reduced by more than half of your pension payment.
Who Is Exempt from the WEP?
If you get a pension from a non-covered job, your benefits won’t automatically be subject to the windfall elimination provision. There are a few important exceptions.
You have 30 or more years of eligible earnings. If you worked 30 or more years in another job with substantial earnings, which withheld Social Security, you're exempt from WEP. Substantial earnings are defined as $26,550 or more for the year 2021. This exemption generally applies to retirees who started a second career after their first retirement. It may also benefit those who have changed jobs midway through their career.
You were eligible for pension payments before 1986. If you became eligible to accept pension payments from your non-eligible job before the year 1986, you are not subject to a WEP adjustment on your Social Security benefits.
You’re a federal employee whose service and Social Security coverage began on Jan. 1, 1984. The WEP mandatory coverage provision means that federal employees who were in service at the start of 1984 are exempt.
You are receiving a railroad pension. If your only pension comes from railroad employment, it is exempt from WEP.
The Bottom Line
The WEP aims to prevent retirees from the unfair advantage of receiving full Social Security benefits if they are also receiving a pension from a job that didn’t pay into Social Security. The WEP can reduce eligible Social Security benefits by as much as 60%. It has a maximum deduction equal to one-half of your pension payment. To avoid the WEP, you’ll need to work at least 30 years in a qualifying (Social Security-eligible) position with substantial earnings (for 2021, this is $26,500 or more). Other WEP exemptions include railroad pensions, survivorship benefits, pensions that began before 1986 and federal employees whose Social Security coverage began on Jan. 1, 1984.
Tips on Social Security
If you’re unsure how to best prepare for retirement, consider working with a financial advisor who can build a portfolio based on your needs, time horizon and financial situation. Finding an advisor doesn’t have to be hard. SmartAsset can match you with up to three advisors in your area in as little as five minutes. If you’re ready to find one, get started now.
If you prefer to go it alone, use SmartAsset’s asset allocation calculator to determine how to best split your money between stocks, bonds and cash. The calculator bases its recommendation on your risk profile and offers a breakdown of each asset class.
Think you will be affected by the WEP? Then it’s important to account for this reduction in benefits when planning your retirement savings strategy. In some cases, you may need to save more in order to have a successfully funded retirement. Or perhaps you'll need to delay retirement in order to hit the 30-year exemption threshold. 6park.com


贴主:nowhere1于2023_08_29 11:52:50编辑