At Last! Retiring for GOOD!

The idea behind WEP - the Windfall Elimination Provision - is that a FEW people were taking advantage of the ability to get a government pension, then take a non-government job, and get Social Security benefits, as well. According to Wikipedia: "The  Windfall Elimination Provision  (abbreviated WEP [1] ) is a statutory provision in  United States  law [2]  which affects benefits paid by the  Social Security Administration  under Title II of the  Social Security Act . It reduces the  Primary Insurance Amount  (PIA) of a person's  Retirement Insurance Benefits (RIB) or  Disability Insurance Benefits  (DIB) when that person is eligible or entitled to a pension based on a job which did not contribute to the  Social Security Trust Fund . While in effect, it also affects the benefits of others claiming on the same social security record." How it affects me: both my husband and myself worked primarily in teaching jobs ove...

After my foot checkup, I stopped at the Social Security office. I was seen relatively quickly (for not having had an appointment), and had a delightful and personable young man assist me. It was a complicated question, and he persisted, using the Chat function to get more expert assistance from another employee. The Result? I've withdrawn my application for SS that was in process. I had applied in my own name accidentally. I have another appointment with a representative to discuss how to apply in my own name, which it appears WILL result in my getting some money - Yay!!!! At this point, no one can tell me exactly how much. But, I'm OK with that - I just have to trust the process.

Just got bad news - Social Security confirmed that I will NOT be eligible for money based on being a 'wife of'. So, that $400/month I was counting on is Gone With the Wind, so to speak. It appears that the trouble is that I get a pension from OH teachers. That government pension (2/3 of it) is deducted from my SS money. Alas, it is actually higher than the money SS WOULD have provided. So, no money. Until I'm 70, and can collect in my own name. I could collect earlier, but I pay a penalty for doing so. In addition to the penalty I will pay in either case, to the tune of around $350 less in my SS check than other folks. The girl (can't call her a woman, not with that tiny voice) at SS had to deliver the bad news. She did say something incredibly dumb: she cheerfully pointed out that once I had 30 years of SS-eligible work, I wouldn't lose any money. She continued with her perky positive attitude even when I pointed out that I would be 79 at that point. I do...