Congress rethinking GPO-WEP, controversial laws that penalize retired educators

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By Amanda Litvinov

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Jim Sproul was confident he had all his ducks in a row when he retired in 1997 after 29 years in education. As a long-time leader in his association and a past president of the Kentucky Education Association, he had assisted many members on their path to retirement and understood how the system works.

He was abundantly aware that two controversial laws—the Government Pension Offset and Windfall Elimination Provision (GPO-WEP)—could drastically reduce retirement benefits for teachers like him.

GPO reduces public employees’ Social Security spousal or survivor benefits by two-thirds of their public pension — 9 out of 10 people lose their entire spousal benefit, even if their spouse paid Social Security taxes for many years.

WEP reduces the earned Social Security benefits of an individual who also receives a public pension from a job not covered by Social Security — meaning hard-working people lose a significant portion of the benefits they have earned themselves.

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Jim Sproul was honored by NEA-Retired for his activism on issues like repealing GPO-WEP.

But Sproul thought he would be exempt from the reduction in benefits, because he had paid into the Social Security system for the required 30 years. “Like many educators, I held second and third jobs throughout my teaching career,” Sproul explained. Unfortunately, not all of those years of Social Security-covered work met the earnings threshold.

“So imagine my shock when I handed in my paperwork to start drawing Social Security at age 65 and discovered that instead of receiving over $970 each month, I would receive only $390,” Sproul said.

Like Sproul, countless educators and other state and local employees who have dutifully served in the public sector are unfairly losing retirement benefits they or their spouses have earned because of these laws enacted in the 1970s. Finally, nearly four decades later, there are two efforts in Congress to retool or repeal GPO-WEP.

The U.S. House Ways and Means Committee held a hearing Tuesday to discuss possible reforms to GPO-WEP with the intention of treating public servants more fairly. But the National Education Association has serious concerns about one of the proposals on the table—while the Equal Treatment of Public Servants Act (H.R.711) addresses inequities perpetuated by WEP, it leaves the GPO intact and could actually broaden its application and enforcement.

H.R.711 would replace the WEP with a new “public service fairness formula” that would take into account the years a public sector employee paid into Social Security versus the years that employee paid into a public pension system while working in a position not covered by Social Security. But there are still major problems, including that fact that employees who do not vest in a public pension plan would still have their benefits reduced. Also, those who did have 30 years of Social Security-covered earnings that meet the threshold would no longer be exempt from having their benefits reduced.

A far better proposal has already been introduced. NEA strongly supports the Social Security Fairness Act (H.R.973/S.1651), which would fully repeal both the GPO and WEP.

“No one is asking for benefits they or their spouse haven’t earned,” said Sproul. “Occasionally when I’m talking to elected leaders about situations like mine, they say they are trying to prevent ‘double dipping.’ I remind them that I spent my whole career ‘double working.’”

Sproul now works full-time at the family-owned tire store where he has been employed for 37 years. He enjoys the work, and considers himself lucky.

“I don’t think I’ll ever reach 30 years of Social Security-covered work at the required threshold,” said Sproul, “but I’ll be alright. Some folks I know are really struggling without the benefits they were counting on. Lawmakers should help them.”

Reader Comments

  1. I’m a Vietnam veteran, and retired police officer. I paid in twenty quarters, no help! But I asked for the spousal Half of my wife’s SSC. And was told no way because of my public pension, of which I paid into for thirty six years. So first I was force to pay into SSC., through all my first jobs, and I was the first drafted army personnel to have to pay SSC. All for nothing! Both parties should see offsets as a no brainer. It helps everybody gender, color, etc. Plus we earned it. Because of offsets I can’t even look for a part time job, public or private! If I die first it may put my wife in the street? At 70 years old nobody really wants you.

    The government came to us to bail out the banks and save the country from ruin. It’s time to give something back and, “and make america great again”. That is what we were promised. Seniors are becoming the denied poor.

    1. wep and gop affected my retirement i agree with you i live in miami life here is very expensive my retirement money is not enough to meet my ends

  2. How will Linda Sanchez’s HR 1538….change WEP & GPO laws? Widows NEED INCREASES…now. When will the Soc Security Advisory Board…publish…a POSITION PAPER…ON THE HARMFUL EFFECTS OF GOVERNMENT PENSION OFFSET??? (It’s Time to Correct the Math for WEP/Kevin Brady) SUPPORT: HR 1205 !!! AMERICAN WIDOWED WOMEN…WHO TEACH IN MISSOURI…NEED THEIR HARD-EARNED…SURVIVOR BENEFITS. Who gets to KEEP/HAVE my deceased husband’s massive contributions to Soc Security??? I’m his widow. I need HIS BENEFITS…to avoid….POVERTY…now in retirement !!!

  3. While I was researching exactly why I will be losing $1,400 a month in Social Security survivor benefits should my spouse predecease me, I ran across a couple of interesting facts.

    According to the sources I have found online, it is widely believed that teachers and other public employees in fifteen states opted out of the Social Security system when it was offered in the 1960s. That may well be the case for some states (Ohio is one), but is not true for Alaska. Public employees there were covered under Social Security until 1979, when the Public Employees Union narrowly voted to move to a pension system administered by the State. This vote was conducted after several years of dire warnings by politicians, corporations, and the media that the system was failing. States were “given an opportunity” to opt out of Social Security during a narrow window of time. I do not know how many other States opted out, but many were considering it: https://news.google.com/newspapers?nid=1350&dat=19790911&id=xzBPAAAAIBAJ&sjid=kwIEAAAAIBAJ&pg=3591,1546819&hl=en

    The WEP/GPO offset was not enacted until 1983–four years after Alaska and presumably other states opted out. Public employees in Alaska and throughout the nation had absolutely no idea at the time they voted to move to a private pension system that they would lose up to 60% their own Social Security benefits under the WEP. They also did not know that the GPO would take 2/3rds of the amount of their pension from their survivor Social Security benefits. Neither law existed when the votes were cast.

    Even if this was not a calculated move by the Federal Government to deny public employees the benefits into which many had paid for years, it is still grossly unfair. It could also be the basis for a lawsuit to recover those benefits.

    Although most public employees not paying into Social Security are informed that their pensions will offset their Social Security, most are not informed that their pensions will also offset any Social Security survivor benefits to which they are entitled. In fact, some Alaska retirement planning publications actually state that employees may lose benefits in ONE of two ways. For example, the last page of this official brochure states just this: http://doa.alaska.gov/drb/pdf/pers/handbook/2011/PERS_handbook_2011_08_pension_benefits.pdf This is not to imply that State of Alaska Retirement and Benefits employees are incompetent numbskulls. In fact, just the opposite is true–they are the most professional, hard-working, and caring people with whom I have ever had the pleasure of working.

    The fact is that the regulations pertaining to the WEP and GPO are so convoluted that no one seems to fully understand them. This includes Social Security employees. I have called Social Security twice (somehow surviving the awful ‘hold’ music for over an hour each time) and gone to an office once. I have received three different estimates on how much I might expect to receive should my spouse die first. These ranged from $250 per month to $650 per month. My own calculations show that I should be getting about $1,000 per month.

    It seems that legislation is introduced in Congress to repeal the WEP/GPO every year, but it always dies in committee. Working with the incoming administration will definitely be a challenge, but it really is time to get rid of these awful and completely unfair regulations. Too many retired public employees are being denied the benefits to which they and their spouses are entitled. We paid in to them, and we have every right to demand them. I think of it this way: If we had paid 12% of our salaries for 20 years into a 401(k), and were then told by the bank or broker that we could not access those savings, would that not be illegal? That is exactly what the Federal Government is doing to us.

    If anyone knows of an effective, well-funded organization that is spearheading the effort to repeal the WEP/GPO, could you please reply? I know that the NEA has made some inroads into the effort, but have not heard much about this recently. My only other option will be to set up meetings with my legislators personally, and I do not have a lot of money (obviously) or clout.

    If you have made it this far, thank you for listening!

    1. I totally agree with you sir. This WEP crap needs to go away and now is the time to get it done. We have a President in the House who is pro law enforcement!!
      Call or write you Congress member and spread the word!!!

      1. I knew nothing about WEP-GPO until I was forced to retire from a public library due to age and disabilities.
        I never would have looked for a job in the public sector had I been hired full-time to teach History at a university.I did know about Title VII of the Civil Rights Act of 1964. Racial preference should not exist. Racism should have been remedied long before I was born. Color-blind is the major idea of making sure we all receive the education needed for employment. That is not what is happening. The idea behind Affirmative Action is to help everyone-middle class earners and low paying earners to receive justice. It did not happen. The middle class did well. The poorer classes, that included pale skin folk do not received justice. I could only be hired as an adjunct Professor in colleges. The very first interviewer told me he thought I was a “Black Lois” married to a Jew-Wasserman.. Furthermore, he told me I could charge him with racial discrimination. This went on and on for a number of years. I retrained and became a librarian.
        I still taught as an adjunct. I was hired in two different public libraries. No one told me about WEP-GPO.
        My first Social Security Check was 150 dollars and the pension of 1388 a month. Social Security check is now 217 dollars a month and will not go higher. Imagine four academic degrees, publications, and I am financially poor..No Congress person helped me. !) Color-blind;2) decent salaries and 3) end all kinds of discrimination. Do not set quotas. Do not penalize institutions. Enable educators to teach all people who seek to live in dignity and knowledge.

        1. Dr. Lois D. Wasserman. Ph.D., History Department. Senior Lecturer, Northeastern University, Scholar on Dr. King's nonviolent philosophy and strategy. says:

          This is Dr. Lois Wasserman. I would like organizations s such as the Anti-Defamation League to investigate the injustices I wrote about and restore my life to a living retirement wage. Earning four
          academic degrees and losing income, having paid the tuition for my studies, I am humiliated with what happened to me. Most people know about racial preference. They do not know about “double dipping” which is not————it dipped to poverty wages. In my situation, in the public library where I got
          hurt, discrimination existed and I was spied upon, followed around,threat physically and slashing the
          tires in my car is my experience. The laws were not favorable to me. While doing research on these
          discrimination issues, I told myself that this is not the America I live in. Justice for all, not for billionaires and upper class folk, is just a dream. I experienced abuse by the professionals and non-professionals at the libraries. The people who used my services in the reference department were
          not tha abusers-it was staff members.

      2. I knew nothing about WEP-GPO until I was forced to retire from a public library due to age and disabilities.
        I never would have looked for a job in the public sector had I been hired full-time to teach History at a university.I did know about Title VII of the Civil Rights Act of 1964. Racial preference should not exist. Racism should have been remedied long before I was born. Color-blind is the major idea of making sure we all receive the education needed for employment. That is not what is happening. The idea behind Affirmative Action is to help everyone-middle class earners and low paying earners to receive justice. It did not happen. The middle class did well. The poorer classes, that included pale skin folk do not received justice. I could only be hired as an adjunct Professor in colleges. The very first interviewer told me he thought I was a “Black Lois” married to a Jew-Wasserman.. Furthermore, he told me I could charge him with racial discrimination. This went on and on for a number of years. I retrained and became a librarian.
        I still taught as an adjunct. I was hired in two different public libraries. No one told me about WEP-GPO.
        My first Social Security Check was 150 dollars and the pension of 1388 a month. Social Security check is now 217 dollars a month and will not go higher. Imagine four academic degrees, publications, and I am financially poor..No Congress person helped me. !) Color-blind;2) decent salaries and 3) end all kinds of discrimination. Do not set quotas. Do not penalize institutions. Enable educators to teach all people who seek to live in dignity and knowledge.NO One has done anything to help me-includes Congress and the Senate. These laws should never have been passed. Public:Know we must end discrimination. Congress: listen to our cries. Open your hearts. Pretend it is your mother who is destined to a life of poverty.

      3. Trump is almost literally The Devil. But if could get this WEP crap off my Social Security, he wouldn’t be so bad. I guess.

    2. I’m interested in any response you receive here. What really shocks me is that a person that has never paid a penny into the system but has a spouse that dies receives 100-percent of the spousal benefit. However, for me, I paid 40 plus quarters into social security, chose education to teach as a second career and am now on my 15th year of teaching, and if my spouse were to pass, I would receive zero in spousal benefit because I am an educator. Please tell me how on earth that is fair??? Why are firemen, policemen and educators penalized like this?
      Sonia

  4. Social Security Advisory Board should be publishing a POSITION PAPER on the GOVERNMENT PENSION OFFSET….and the harmful effects it causes for widows…by the end of this year! Just as BRADY has said…TIME TO CORRECT THE MATH FOR WEP…the SSAB….should be documenting that it’s TIME TO CORRECT THE MATH FOR WIDOWS!!! WE EARNED AND DESERVE OUR SURVIVOR BENEFITS!!!

    I asked NEA lobbyist…Al Campos…questions about GPO….and he couldn’t answer my questions !!! I have paid NEA union dues for 25 years! I need to know about the 60 months exemption for GPO. Supposedly…if you work the LAST 60 MONTHS…IN A POSITION THAT PAYS INTO SOC SECURITY…AND THE JOB IS IN THE SAME RETIREMENT SYSTEM….YOU CAN BE EXEMPTED FROM GPO . Has anyone tried this? What do you know about GPO….that I don’t know ?????

    Oh—-Pat Toomey (Penn) supports S 3303….but it would ONLY REPEAL…WEP & GPO….FOR POLICE OFFICERS AND FIREFIGHTERS. WHY DOESN’T S 3303…INCLUDE HARD-WORKING TEACHERS……ESPECIALLY WIDOWS ???????

    There’s suppose to be a law…that all new teachers in Missouri…are suppose to SIGN A PAPER….stating that the SCHOOL DISTRICT…has INFORMED THEM ABOUT SOCIAL SECURITY…AND THE 2 LAWS….WEP & GPO. I just asked a NEW TEACHER….if she signed her paper….SHE SAID SHE DIDN’T KNOW WHAT I WAS TALKING ABOUT! I personally don’t think the LAW is being followed. I know NEA….NEVER TALKS ABOUT WEP & GPO!!! Whenever I tell someone about these 2 LAWS…..they don’t believe me! My Fnancial Planner and Tax advisor….were completely unaware of WEP & GPO !!!

  5. Our representative is Beto O”Rouke of Texas. I have met with him at a town meeting and I brought up this GPO/WEP act. He very much supports the repeal action. I became aware of it because I am a member of YTA, TSTA and NEA. My SS statement states I qualify for about $1280.00 a month, after I use the calculation through Social Security site I will only receive $740.00 if that. I contributed to Social Security since 1970. I began teaching and contributing to TRS of Texas for 18 years. I started paying into SS again in 2010 with my business. I continue to contribute to SS due to my business supplementing my income since I have retired from education in Feb. 2016. My pension is moderate, I have to pay for health insurance for my wife and myself, I will be in Medicare in Feb. 2017, a premium I have to pay, I will not for now draw from Social Security till Feb. 2018. Very unfair.
    1 Is it not true ex President Nixon borrowed from the Social Security fund, never paid back.
    2 The Texas Republican senators (only on has responded to me) preach of the burden it will place on SS of this act is repealed (due to baby boomers, wait we paid into it).
    3. The Representatives & Senators receive their pension, from three sources. ( Information shared to me by the staff of Representative O’Rouke). One source is from Social Security ( I wondering if that is reduced??).
    4. There are only about 125 Representatives and about 25 to 30 Senators on board to get this bill out of committee.
    WE NEED… ABOUT 225 Representatives and 55 to 60 Senators on BOARD. There is a Senate version of this Social Security Fairness Act.
    5. There is a method to get the bill out of committee without the above numbers needed. By introducing a Proprioratory Petition to get the bill out of committee and acted on!!!!
    6. I ask NEA and hope they continue to vigorously LOBBY both Chambers for this bill’s passage. Is there or can we generate a petition from NEA for All Teachers retired or not…….

  6. I was born of British parents in the UK, started work at 15 and paid into the British Pension system in order to get my pension when I retired. In the early 1980s we immigrated here to the USA, worked, paid into the social security system, turned 70, applied for SS benefits and wham was hit by WEP. Since my work history in the UK was over 10 years I had credit for a small monthly pension which I applied for and received. On applying for social security one of the questions asked on the questionnaire is do you receive a pension from a foreign government – yes I do, so because of this my social security benefit is reduced by $296 per month due to WEP. I have friends who worked for private companies and receive pensions plus their full social security pension without being penalized. My payments into the UK pension system were BEFORE I came to the USA and the small pension I receive is based on my work history there and my pay deductions into that system. I feel I am being robbed of that $296 per month as are my previous employers here since we have paid into the social security system in order to receive a certain amount on retirement. It was quite a shock that I was not going to receive what I had understood I was going to receive by the annual statement sent out by social security. I was told by social security that I need to work another 8 years here and earn a substantial yearly earning, i.e. over $25,000, if I want to then at age 78 receive my full social security payment without the WEP deduction. I am a woman, spent the first few years here at home looking after my children, worked part-time and then full-time so again for that I am penalized. WEP needs to be eliminated.

  7. I am a civil service employee with 47 years of service. I receive my ex-husband’s benefit because we were married more than ten years and we were divorced more than two years before he died. Actually it was 25 years after our divorce. I did not remarry. He was alcoholic, and some days he had to be pushed out of the door to go to work if he had partied the night before; if it were not for that, there might not have been a benefit at all. I continue to receive this benefit because at full social security retirement age, earnings do not count against one who applies for OASDI benefits (surviving divorced spouse benefits is what I draw – and pay taxes on). I like my job and it is not a difficult one, but it is not fair that I cannot receive two benefits (CSRS and OASDI) if I so choose.

  8. The GPO and WEP are blatantly unjust provisions. It seems legislators are more inclined to move quickly on issues that affect them personally. It is easy to overlook the unfairness of GPO and WEP when it isn’t close to home. In addition to teaching, I worked 20+ quarters in other jobs and paid Social Security taxes. Besides that, I was married to the same guy for 28 years, have not remarried, and am eligible for spouse’s benefits. I do not receive a penny of those benefits. After federal and state taxes and basic health insurance, my Maine pension disbursement is $1550/month. Now my ex-husband’s ‘new’ wife, can collect spouses benefits from my ex but I may not have a cent.
    Adds insult to injury!

  9. WHY IS CONGRESS DRAGGING THEIR FEET ON THIS ISSUE, SENIORS NEED EVERY CENT TO EXIST IN THIS ECONOMY TODAY, ITS TRULY A SHAME THE WEP/GPO IS EVEN A LAW , IT IS SO UNJUST, WITH ITS JUSTIFICATION, EXPLAIN TO ME HOW ITS JUST, DID WE NOT EARN WHAT WE SHOULD BE RECEIVING..
    OH YES DOUBLE DIPPING, THAT MAKES IT FAIR.. SURE, .. CONGRESS YOU ARE LOSING THE RESPECT OF
    SENIORS THAT NEED NEED YOUR HELP, FOREIGNERS GET YOUR ATTENTION MORE THAN AMERICAN BORN CITIZENS THAT ARE NAMED/CALLED CIVIL SERVANTS, FOR THIS COUNTRY THATS IS TRULY A SHAME, FOR OUR LEADERS TO LET THIS CONTINUE, AS AMERICAN’S WE SHOULD’NT BE AT THE REAR OF THE LINE..THANK YOU

  10. I am a paraprofessional with 29 years service in my school district. I am also a widow. My late husband paid into the Social Security system. The irony of all of this is he died in an industrial accident at age 46, and now I am in my 60’s planning for retirement and I see how devastating the WEP/GPO will be. This is a travesty that has to be repealed. I may keep working because I can collect his Social Security as long as I am not retired, yet still some penalty based on my working income. It only gets much worse at retirement. Now I know why there are employees in my district in there late 70’s and early 80’s. They do not have much choice but to work if they are fortunate enough to be healthy. If they retire their low incomes would more than likely lead them to their demise.

    1. I have the same issue. I have emailed my local congressmen and am spreading the word to all public servants. I would like to retire, but as long as I’m still working I can keep my husband’s benefits. So ridiculous.

  11. I am in my last year of teaching and knew about the WEP and Gpo from when I taught in MA. Now I pay into the SS sysrem as a teacher in AZ. I worked for many years for my husband’s business and at other low paying jobs so I could raise my kids and volunteer for all those things many people take for granted. As a result of the WEP I will get a $57 spousal benefit. I have put off getting my own retirement SS until I am 70 in order to try to get more than $400 a month. I only ended up with about 20 years in the public schools systems and because about half that time was in MA my SS will be permanently reduced. We need to repeal these two onerous laws as soon as possible!

  12. Passage of the Social Security Fairness Act (HR 9731 / S.1651) would not only address the inequities of the current off-set system, it would also strengthen our educational system. While there are bright and enthusiastic young people following a career in education, there are many more who would like to do so. They are deterred from following their favored career path or they leave a career in public education for the private sector because of the current off-set.
    While my entire career was only in the public sector–pubic school teacher–my late husband was in the private sector–his own business (real-estate development)–and paid into the SS. When he passed away, over 25 years ago, I was eligible for spousal benefits–which I did not take at the time as I was teaching. Twenty-two years later, when I decided to retire, the off-set provisions meant that I could not receive those spousal benefits. The irony–I could have received spousal benefits while I was still working and invested them for retirement, but once retired and receiving a state-sponsored pension (which I had paid into during my career) that was 25% less than my annual salary, I was no longer eligible for spousal benefits.

  13. I worked from age 16 to 35 in the private sector. Then, thinking I was doing the “right thing” I decided to get my teaching credential and work in a high poverty district that paid low wages in an adjoining county. My starting salary was lower than I had made as a secretary years before, but I knew I was working for the greater good. What a mistake!

    Being that I was unable to start teaching until I was 38, and the fact that I have medical issues which may require me to leave the classroom sooner, I will not be able to work enough years to support myself in my home during retirement. Not only will I give up approximately 2/3 of my earned Social Security, but when my husband passes away, I will lose another part of our income.

    GPO and WEP may well be my ruin in retirement.

    I did not know what was going to happen to my retirement income when I made the decision to change careers. I would have been better off staying in the private sector.

    I now actively discourage anyone considering moving into teaching. Why should teachers become second class citizens, not entitled the rights and protections others enjoy.

    Changing WEP is not enough – eliminate GPO and WEP entirely.

  14. My main problem with the GPO / WEP related, “government pension offsets” is that they are not adequately / accurately explained when one is considering working for a public institution in one of the affected states. On the contrary, the chair of my department pointed out that I would be vested in the Illinois retirement plan for educators after five years. There was NO mention of the abominable offsets. If I had been given the whole story, I would never have left my position at a private university. What about the fiduciary responsibility of the hiring institution to make sure prospective employees have been adequately advised about these punitive provisions?

  15. How do we make this up to the millions of educators and their families, who for many, many years prior to this long-hoped-for elimination of the GPO-WEP provisions, have been deprived of Social Security benefits rightfully earned and greatly needed? This has been devastating to so many for so long. Why it took so long for it to become a legislative priority is inconceivable. But thankfully, the issue is finally receiving the attention it deserves, and I hope for swift legislative action. I thank NEA and the legislative sponsors of the Social Security Fairness Act of 2015 for ushering this forward.

  16. Let’s face it …. This (our) money has already been delegated to other purposes. It supports other programs. Since I am only entitled to 40% of my actual, earned, social security benefit, according to WEP, I want to choose who gets the other 60%. I could endow something, return it to my state to support the withdrawal they made from the retirement system here in Kentucky. Hey, fair is fair. This is my money. They just won’t let me have it.

  17. I was in the social security system from the age of 16 until I was 41. I had taught in private schools in Massachusetts (where my salary was pathetically minuscule) and then moved to Connecticut, where I joined the faculty of a public school, where I taught for another 23 years before I retired. When I took on extra duties (activities after school) my stipend has social security contributions taken out of it!

    I receive 46% of the average of my last three years’ salary from the Connecticut Teacher’s Retirement Board. My social security benefit was slashed from over $1500 per month to less than $500. If I had NEVER WORKED after I’d turned 41, I’d receive the full amount. I’ve been penalized for my participation in Connecticut. A sad commentary.

    1. That is correct that if you did not work you would have received your full social security benefit. Social Security for everyone is a progressive benefit. The more you work the less rate of return you get

  18. Let’s be fair to our teachers who educate our children while often working a second job to get enough to live on, and using part of that money to buy the supplies they need in the classroom. My sister is one of those dedicated teachers who deserves every penny she has earned over the years. We should reward teachers rather than find ways to cut their earned benefits!

  19. So the next time you elected representatives and those running for office that “social security won’t be touched” realize that is a lie. It has been touched many years ago to federal government employees, my 88 yr old father and many others. I don’t know how long I teachers have been affected but my wife also will be penalized by the what is more accurately referred to as the CVP – Contract Violation Provison vs. the WEP! What an insulting use of terminology to justify violating a contract. Who gets to define a ” windfall” as something that hard working people have paid into to receive “earned” benefits.
    I don’t hold out too much hope that this will be corrected. The thieves in congress continue to ignore dealing with the real problems in social security and they considered this form of stealing to help with the problem….yeah I’d say they found a “windfall”!!!!

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