Episode Summary:
In this episode of Social Security & Disability: The Approval Path, lead attorney and managing partner Deborah Spector discusses the repeal of the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP). These provisions previously reduced Social Security benefits for many public employees, including teachers, firefighters, and police officers. Deborah explains what these rules were, why they were eliminated through the Social Security Fairness Act, and how the change impacts retirees and disabled workers today. Listeners will learn about retroactive payments, tips for navigating benefit adjustments, and important precautions to avoid scams while dealing with Social Security.

00:01 – Show introduction
02:10 – What were the Government Pension Offset (GPO) and Windfall Elimination Provision (WEP)?
06:35 – Why their repeal shocked experts after decades of resistance
10:22 – How the Social Security Fairness Act ended GPO and WEP
13:55 – Who is most affected by this change and how many workers benefit
17:40 – Retroactive payments: how far back they go and how much they can be
20:18 – What to do if you never applied for benefits because of GPO or WEP
23:12 – How to check your online Social Security account for adjustments
26:28 – Tips for communicating with Social Security and avoiding scams
30:10 – Deborah’s advice for families and spouses affected by the repeal

Social Security & Disability: The Approval Path helps individuals and families understand the often-confusing rules of Social Security. Hosted by attorney Deborah Spector, each episode breaks down complex topics into clear, actionable guidance so listeners can maximize their benefits and protect their financial security.