Social Security Fairness Act Update: The Social Security Fairness Act, signed into law on January 5, 2025, repeals the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), restoring full Social Security benefits to millions of public servants. This legislation ensures that retirees who contributed to Social Security through part-time or side jobs, while also receiving public pensions, receive the benefits they’ve earned.
Social Security Fairness Act Update
The repeal of WEP and GPO through the Social Security Fairness Act marks a significant step toward equitable treatment for public servants. With retroactive payments and increased monthly benefits, millions are finally receiving the full benefits they’ve earned.
| Aspect | Details |
|---|---|
| Law Signed | January 5, 2025 |
| Retroactive Payments | Began February 25, 2025; most received by end of March 2025 |
| Monthly Benefit Increases | Effective March 2025 (paid in April 2025); average increases: $360 (WEP), $700–$1,190 (GPO) |
| Total Paid So Far | Over $14.8 billion to more than 2.2 million people |
| SSA Official Resource | ssa.gov/benefits/retirement/social-security-fairness-act.html |
Understanding WEP and GPO
The Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) were provisions that reduced Social Security benefits for individuals who also received pensions from non-Social Security-covered employment. This often affected public servants like teachers, firefighters, and police officers.
- WEP: Reduced Social Security benefits for those with a pension from non-Social Security-covered employment.
- GPO: Reduced spousal or survivor benefits for individuals receiving a government pension not covered by Social Security.
The repeal of these provisions ensures fair treatment for public servants who have contributed to Social Security.
Retroactive Payments: What to Expect
Payment Timeline
- Start Date: February 25, 2025
- Most Payments Completed: By end of March 2025
- Coverage: Benefits owed from January 2024 onward
If you were affected by WEP or GPO and receiving benefits as of January 2024, you should have received a one-time lump-sum payment covering the underpaid amount. These payments were deposited directly into the bank account SSA has on file.
Average Payment Amount
- Average Retroactive Payment: $6,710
- Total Distributed: Over $14.8 billion to more than 2.2 million individuals
Monthly Benefit Increases
Starting with the March 2025 benefit (paid in April 2025), affected beneficiaries saw an increase in their monthly Social Security payments.
Average Monthly Increases
- WEP-Affected Individuals: Approximately $360 increase
- GPO-Affected Spouses: Approximately $700 increase
- GPO-Affected Surviving Spouses: Approximately $1,190 increase
These adjustments reflect the removal of the unfair reductions previously imposed by WEP and GPO.
What You Need to Do About Social Security Fairness Act Update?
No Action Required for Most
If you’re already receiving Social Security benefits and were affected by WEP or GPO, you don’t need to do anything. The SSA has been automatically processing these changes.
Notifications
Beneficiaries will receive mailed notices explaining the changes to their benefits. However, due to expedited processing, you may receive your payment before the notice arrives.
For New Applicants
If you were previously ineligible for benefits due to WEP or GPO but are now eligible, you should apply for benefits. Applications can be submitted online at ssa.gov/apply or by calling 1-800-772-1213.
Handling Complex Cases
While the SSA has automated much of the process, some complex cases require manual review. The SSA aims to have all beneficiary records updated by early November 2025.
If you haven’t received your adjusted benefits or retroactive payment, it’s advisable to wait until after receiving your April 2025 payment before contacting the SSA.
Social Security Payments Frozen for Some Retirees—Do You Owe These Debts?
$1,999 in Social Security Payments Rolling Out; Only These Groups Qualify Before May 31
$2,000 Social Security Payments Arrive May 28; Are You on the List to Get One?
Frequently Asked Questions (FAQs)
Who is eligible for retroactive payments?
Individuals whose benefits were reduced due to WEP or GPO and who were receiving Social Security benefits as of January 2024 are eligible.
How will I receive my retroactive payment?
Payments are deposited directly into the bank account SSA has on file.
Will I receive a notification about the changes?
Yes, the SSA will send mailed notices explaining the benefit changes. However, payments may arrive before the notices.
What if I haven’t received my payment?
If you haven’t received your payment by the end of April 2025, contact the SSA at 1-800-772-1213 or visit your local SSA office.
