Go Back  British Expats > Living & Moving Abroad > USA
Reload this Page >

WEP/U.S. Spousal SS Benefits

WEP/U.S. Spousal SS Benefits

Old Sep 16th 2018, 9:14 pm
  #1  
Just Joined
Thread Starter
 
Joined: Jan 2016
Posts: 6
SandraAnn is an unknown quantity at this point
Default WEP/U.S. Spousal SS Benefits

Hello,

It's been a while since I visited the forum, but I am hoping that someone may have sorted through a similar situation to my own. I am British by birth and married to an American, I have lived in the U.S. for many years and was naturalized as a U.S. citizen in 2000. I also retroactively paid my National Insurance stamps and am currently collecting my British pension (not liking the exchange rate BTW). I have also qualified for U.S. Social Security (SS) benefits, but I am still working and have not applied for them. I understand the effect of WEP on my SS benefits, but my question is would WEP be applied to my SS benefits if I were to collect them as Spousal Benefits, based on my husband's benefits? The spousal benefits are significantly higher than my own, even before the WEP decrements are applied. Getting answers from the SS Administration has proven difficult, but we have been told verbally that Spousal Benefits are not "WEP'd." We do not want to make a decision based solely on verbal assurances. A related question is if I were to retire and collect a WEP-reduced benefit, when my husband retires and I switch to the Spousal Benefit, would the WEP go away? Or would we have be stuck with it?

In advance, thanks for any help any of you may be able to provide. Our predicament is surely not that unique . . .

Regards,

Sandra
SandraAnn is offline  
Old Sep 16th 2018, 11:49 pm
  #2  
 
lansbury's Avatar
 
Joined: Apr 2005
Location: Milwaukie, Oregon
Posts: 9,543
lansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond repute
Default Re: WEP/U.S. Spousal SS Benefits

I get spousal benefit and it is not subject to WEP. There is a slight difference in my situation in that my wife, the USC, also has a UK pension so her SS was reduced by WEP. But spousal benefit isn’t.

As to your second question about claiming first on your own account I don’t know what happens in those circumstances. I take it you don’t have 30 years of qualifying SS contributions?

Last edited by lansbury; Sep 16th 2018 at 11:53 pm.
lansbury is offline  
Old Sep 18th 2018, 6:47 pm
  #3  
Just Joined
Thread Starter
 
Joined: Jan 2016
Posts: 6
SandraAnn is an unknown quantity at this point
Default Re: WEP/U.S. Spousal SS Benefits

Originally Posted by lansbury View Post
I get spousal benefit and it is not subject to WEP. There is a slight difference in my situation in that my wife, the USC, also has a UK pension so her SS was reduced by WEP. But spousal benefit isn’t.

As to your second question about claiming first on your own account I don’t know what happens in those circumstances. I take it you don’t have 30 years of qualifying SS contributions?
I do not have 30 years of qualifying SS contributions and therefore not exempt from WEP. I appreciate your information. Thank you.
SandraAnn is offline  
Old Sep 18th 2018, 7:21 pm
  #4  
Concierge
 
Rete's Avatar
 
Joined: Apr 2001
Posts: 44,019
Rete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond reputeRete has a reputation beyond repute
Default Re: WEP/U.S. Spousal SS Benefits

When I retired my husband's social security benefits were increased due to claiming on mine that portion was not affected by WEP
Rete is offline  
Old Sep 19th 2018, 4:31 pm
  #5  
Forum Regular
 
Joined: Mar 2012
Posts: 75
branmin is an unknown quantity at this point
Default Re: WEP/U.S. Spousal SS Benefits

Don't mean to hijack this thread from the original poster but also interested to learn about WEP as been meaning to ask for a while. Dual Citizen, receiving US SS(have not worked for 30 years) . I get $1090 and wife $590 per month.
Contacted UK Pensions and they sent me an estimation of what I could receive and going back last year it stood at roughly £172.00 per week and they also told me that my wife also qualifies for 60% of what I get.

My question is, can you please tell me on the figures that I have given you what SS here will deduct from my $1090.00 or will they deduct the combined amount(my wife's as well?)

Thx.
branmin is offline  
Old Sep 19th 2018, 9:30 pm
  #6  
 
lansbury's Avatar
 
Joined: Apr 2005
Location: Milwaukie, Oregon
Posts: 9,543
lansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond repute
Default Re: WEP/U.S. Spousal SS Benefits

Originally Posted by branmin View Post
Don't mean to hijack this thread from the original poster but also interested to learn about WEP as been meaning to ask for a while. Dual Citizen, receiving US SS(have not worked for 30 years) . I get $1090 and wife $590 per month.
Contacted UK Pensions and they sent me an estimation of what I could receive and going back last year it stood at roughly £172.00 per week and they also told me that my wife also qualifies for 60% of what I get.

My question is, can you please tell me on the figures that I have given you what SS here will deduct from my $1090.00 or will they deduct the combined amount(my wife's as well?)

Thx.
How many years of contributing social security contributions have you made. As a rough guide if you have 20 years contributions the most they will deduct is 50%. The deduction will reduce by 5% for each year of contributions from 21 - 29 years.

If you google the WEP calculator which is on the SSA web site, you can work out the exact amount. You really need to do this for all the factors to be taken into account

You haven’t given enough information to fully answer you questions. Does your wife have her own SS account and/or will one of you be claiming spouse benefits of the others accounts?




Last edited by lansbury; Sep 19th 2018 at 9:36 pm.
lansbury is offline  
Old Sep 19th 2018, 10:13 pm
  #7  
Forum Regular
 
Joined: Mar 2012
Posts: 75
branmin is an unknown quantity at this point
Default Re: WEP/U.S. Spousal SS Benefits

Thx Lansbury,
Apologies for the incomplete info...I made 18-19 years of contributions. My wife didn't make any contributions but has her own SS account and therefore wont be claiming off me but gets the spouse allowance. Thx.
branmin is offline  
Old Sep 20th 2018, 2:30 am
  #8  
 
lansbury's Avatar
 
Joined: Apr 2005
Location: Milwaukie, Oregon
Posts: 9,543
lansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond reputelansbury has a reputation beyond repute
Default Re: WEP/U.S. Spousal SS Benefits

Originally Posted by branmin View Post
Thx Lansbury,
Apologies for the incomplete info...I made 18-19 years of contributions. My wife didn't make any contributions but has her own SS account and therefore wont be claiming off me but gets the spouse allowance. Thx.
You will be subject to the maximum WEP. The WEP amount will only be calculated using the amount of your UK pension, your wife’s will not count in the calculation.

If your wife has a separate SS account, and is not claiming a spouse benefit from your account, I fear she my be subject to WEP separately. If she has 30 years counting contributions in SS no problem, but less than that her UK pension might well bring WEP into play. If she is claiming a spouse benefit based on your SS, then that is not subject to WEP.

Here is the link to the WEP calculator https://www.ssa.gov/planners/retire/anyPiaWepjs04.html

While I had my own SS account it did not qualify me for a SS pension. I claimed a spouse benefit and that is paid to me but under my wife’s SS number.
lansbury is offline  
Old Sep 20th 2018, 4:39 pm
  #9  
Forum Regular
 
Joined: Mar 2012
Posts: 75
branmin is an unknown quantity at this point
Default Re: WEP/U.S. Spousal SS Benefits

Thx Lansbury. Best. Bran.
branmin is offline  

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Contact Us - Archive - Advertising - Cookie Policy - Privacy Statement - Terms of Service - Do Not Sell My Personal Information -

Copyright © 2018 MH Sub I, LLC dba Internet Brands. All rights reserved. Use of this site indicates your consent to the Terms of Use.