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Can the WEP fully eliminate my monthly Social Security benefit?

 No.  While Social Security benefits are lower using the modified WEP formula, they are never totally eliminated.
 The maximum reduction under the WEP formula is $313 per month.  However, the reduction can be less under special rules.  One of these rules limits the reduction under the WEP to no more than one-half of the amount of the pension from employment not covered by Social Security.  For example, if the person's pension is $500 per month, the WEP reduction could not exceed $250.

You also can get information about the Windfall Elimination Provision (WEP) when you visit Social Security Online's Retirement Planner. Be sure to click on Learn about factors that may affect my retirement benefits (see first page of the Planner). Among other facts, you can learn the maximum monthly amount your benefit may be reduced because of WEP and the calculation of your retirement benefit.

 For more information, see the fact sheet titled "Windfall Elimination Provision" and our Online WEP Calculator.