The Windfall Elimination Provision

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The Windfall Elimination Provision

Postby leftyg » December 6th, 2017, 6:22 pm

is a piece of doggy doo-doo. What it is is a law that penalizes work and penalizes hard working middle and lower middle income Americans and me. Congress passed it in 1983 to make sure that nobody who works for a living can ever get rich. And I honestly do not know too much about it, only that it has hurt me.

To start with it is a law that says even if you put into Social Security, you cannot get what you would have gotten in benefits if you decided to switch careers and do something else that does not pay into Social Security. In other words, it penalizes work. And it is administered by Social Security which cannot be good.

This is my saga of perdition: It began on an early September day in 2015 in an east side office of the Social Security Administration. I was getting a small monthly stipend from SSA and was told that I could win the lottery and not lose it because I was 66 years old at the time. But if I ever took my teacher's pension I had to pay the piper. So I went to the office prepared to do just that. I handed them the relevant pay stubs and was told that I would get a determination shortly.

By December nothing in my monthly Social Security checks had changed, and I said "OK I do not have anything to worry about." I should have checked the IQ scores of the staff at the facility before I said what I said. In a sense, I should have known better.

Two years passed and life is a celebration of happiness. About once a year I would get a call from Social Security which I figured was a scam because they do that to us old guys all the time. I would just tell them that I had taken care of all the paperwork at this east side office about four miles from my home in fabulous Bratenahl, take Route 90 east.

Anyway this one woman called claiming to be from the Chicago office. I humored her but did not give her any relevant personal information that she did not already know. I did not trust her because she refused to give me the Social Security national number which is 1-800-772-1213. I already knew it and wondered why she would not give it to me. She did give me a number for the local office, and a guy answered, and he had such a shitty attitude I figured he had to be a scam artist and that he and this woman were playing a game of good cop-bad cop with me. My friends said it must be a scam.

Anyway, it wasn't apparently. And now I owe almost 12 thousand dollars in overpayments. I am holding tight for another week to see what is what. But here is the thing: if they had processed my paperwork in September 2015, I would have owed about 1200 dollars not 12 thousand. So you combine a bad law with lousy administration and you get one unhappy leftyg. Oh well, another rotten day in paradise.
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Re: The Windfall Elimination Provision

Postby JuicedTruth » December 7th, 2017, 8:50 am

That's a tough situation. I've heard Social Security will agree to you making monthly payments with no interest in order to make up the $12,000 and they set the payments so it doesn't over-burden you, probably in the $25-$50 per month range.
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Re: The Windfall Elimination Provision

Postby leftyg » December 7th, 2017, 11:07 am

That's a tough situation. I've heard Social Security will agree to you making monthly payments with no interest in order to make up the $12,000 and they set the payments so it doesn't over-burden you, probably in the $25-$50 per month range.
From your cyber pen to the Social Security Administrator's ear. I have to get to work, but I still believe that this is a bad law though I do not have time to get into it now.
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Re: The Windfall Elimination Provision

Postby hmmmmm » December 7th, 2017, 12:24 pm

hmmmmm....Not an expert <<<<<
But if you paid into Social Security tax for 30 years or more of substantial earnings, the Windfall Elimination Provision does not affect you.
Now if your pension comes from the government, it can affect how much you receive from SSI, so there could be over payments there.
I would do nothing until I go back to the Social Security office in person and find out the truth, because it still sounds like a scam to me.
Either way, GOOD LUCK Leftyg !!
The worst form of inequality, is to try to make unequal things equal ~~~~~ Aristotle

You can't cure poverty by creating more dependency ~~~~~

"Science flies you to the moon. Radical Islamists fly you in to buildings."
~~~~~ hmmmmm
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Re: The Windfall Elimination Provision

Postby leftyg » December 16th, 2017, 3:30 pm

Thank you for the support hmmmmm and JT. Unfortunately, the way it stands is I owe Social Security almost 12 thousand dollars. They want the money in about ten days or they will take away all my Social Security benefits until the bill is repaid. I have not contacted a competent attorney or advocate, just a representative of a senator and a seniors attorney, both of whom offer me no hope other than just pay the government.

Pay the government even though I did nothing wrong and they (Social Security) did nothing right. I gave them all my information on my pension one or two days after I got it, in other words immediately. They choose to wait over two years to give me a final determination. And the 400 dollar a month over payment for all those months accrues to me because I had the temerity to actually work for it.

Why am I so radically left of center in some of your minds? Part of it can be explained by a friend of mine who is a Republican, actually a libertarian who, despite two college degrees, works as a clerk in a business where he inherited his job from another friend who decided to embark on a career as a folk singer. The folk singer had a rich wife who could support him, and the other friend had a wealthy family that gave him hundreds of thousands in free money via different inheritances from his father, mother and grandfather. Both could afford to indulge themselves.

And I was never jealous. I was happy that they had these options. But I got really pissed when inheritance guy told me to just pay. He was tired of my complaint that I worked for the money and had I dwelt in my mothers attic or basement until I was 66 I would get my full benefit without question. But because I chose to change careers in my early 40s, I was penalized for all the previous years which to me is perverse.

Then when I questioned inheritance guy about why millionaires should pass their vast fortunes to the next generation (an admitted shot at him) he said that there should be no tax because the money had already been taxed. which is the dumbest thing in the world. All the money we spend has already been taxed; does that mean that Giant Eagle should not pay taxes on the groceries I buy from them because it has already been taxed? It is a stupid argument.

BUT the money I make from work should not just be taxed; it should be taking away from me because I worked in two retirement systems. It is a moral travesty. The money I received led me to have a comfortable life if I chose not to work. I worked half my life in one system and the other half in the other, over 40 years, and get a mere pittance for it, not enough to pay all my expenses without cutting back when the simple revocation of the Windfall Elimination Provision would have eliminated (pun intended) this problem. It is a metaphor for the world we live in where passive income is valued over income received through labor.
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