You are preparing for retirement, but a month before your Social Security begins, you discover your benefit will be reduced by hundreds of dollars per month because of your CPP.
In this video, we discuss:
– Qualifying for U.S. Social Security and Canada Pension (CPP)
– The Windfall Elimination Provision (WEP)
– Strategies for increasing your Social Security and reducing your WEP reduction
You can watch the video here:
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I thought WEP could no longer come back to bite! After legislation eliminated WEP in 2025 and made it retroactive to January 2024, I received a refund in 2025 of several thousand dollars. However, SSA never responded to my spouse when she notified them back in 2022 that, like me, she had started receiving a non-covered gov’t pension (CPP). In other words, they never reduced her benefit due to WEP. Now, April 2026, they have sent her a letter claiming she owes them over $4,000 because they should have applied the WEP reduction effective for the 13 months of December 2022 through December 2023. Also, they calculated the reduction to be over 90% of her CPP benefit. My spouse may appeal, but can you give any help with two general questions:
1) Does SSA have a right by law to go back this far and reduce your benefits due to WEP so that you now owe them money?
2) I thought there was a rule whereby SSA would not reduce your benefits by more than 50% of your non-covered pension amount, or does that apply only in some cases.