What is GPO?
GPO stands for Government Pension Offset. If your spouse participated in Social Security, you may be subject to the GPO, which results in a reduction for spouse's or widow(er)'s benefit. Normally, when your spouse retires on Social Security, you are eligible for 51 percent of your spouse's benefit if you are at least age 62. However, since you are eligible for a TRSL benefit, you may be subject to the GPO, which will reduce your Social Security spouse's or widow(er)'s benefit by two-thirds of your TRSL benefit. In some cases this offset could entirely eliminate your Social Security benefit. There are some exceptions.
What is WEP?
WEP is the acronym for Windfall Elimination Provision. If you receive a TRSL retirement benefit and you worked long enough in other employment to qualify for a Social Security benefit, the Windfall Elimination Provision (WEP) is usually used to reduce your own Social Security earned benefit. WEP goes into effect when you reach age 62 or become disabled, however there are some exceptions. TRSL recommends that you contact the Social Security Administration for explanations of possible WEP reductions.
When you receive an estimate of your Social Security benefit, the amount probably will not have been reduced by either the GPO or WEP provisions. You should specifically ask Social Security to calculate the reduction for you. If you have basic Social Security questions, you may contact TRSL at 225-925-6446. Otherwise, you will need to contact Social Security if you have specific questions about your account with them.