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My Social Security benefit is reduced because I have a government pension. When I die, will my wife's survivor benefits be based on my actual earnings or on my reduced earnings?

The Windfall Elimination Provision (WEP) may reduce the Social Security benefits of workers who have pensions from employment that was not covered by Social Security.  The benefit payable to the spouse of a worker subject to WEP is also reduced, but only while the worker is alive.  If the worker dies, the survivor benefit is calculated using the standard Social Security formula, without any reduction for the windfall elimination provision.


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