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If it were not reduced by WEP, your benefit amount would have increased by $18 ($1,396 x 1.3% = $18). The following year, the 1.3% December 2020 COLA increased your benefit by $11 ($916 x 1.3% = $11). When you retired in 2020 (ELY 2020) WEP reduced your $1,396 ELY benefit to $916. The COLA is added to your monthly benefit amount after WEP reduces your ELY benefit.
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If your full retirement benefit had not been reduced by WEP, your age 70 retirement benefit would have been $1,768 *. If your benefits start at age 70, you get credit for the 40 additional months when you did not get benefits and your monthly benefit will be 26.67% higher. If your retirement benefits start after your full retirement age (66 and 8 months) the benefit increases 8% for each year before age 70 that you delay retirement. If you decided to wait to age 70 to receive benefits so you could get Delayed Retirement Credits. If your full retirement benefit had not been reduced by WEP, your age 62 retirement benefit would have been $1,000.
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We reduce your monthly benefit to 71.7% because you will get benefits for 56 additional months. If you decide to start retirement benefits the month you turn 62, you will get benefits before you reach full retirement age. If your full retirement benefit is $1,396, your ELY benefit after the WEP reduction would be $916 ($1,396 - $480). Your full retirement age is 66 and 8 months. If you turn 62 in 2020 (ELY 2020) and you have 20 years of substantial earnings, WEP reduces your monthly benefit by $480. The monthly retirement benefits are increased or reduced based on your age after WEP reduces your ELY benefit. The following examples show how the WEP reduction changes when other factors affect the ELY benefit. The Windfall Elimination Provision reduces your Eligibility Year (ELY) benefit amount before it is reduced or increased due to early retirement, delayed retirement credits, cost-of-living adjustments (COLA), or other factors.
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If you are eligible for a pension based on work you did for a federal, state, or local government, a nonprofit organization, or in another country and you did not pay Social Security taxes, this pension can affect the amount of your Social Security benefits. A siemens gigaset, this installation programme asks for the WPA code which I typed in.