Certified Senior Advisor (CSA) Practice Test

The Windfall Elimination Provision (WEP) is the correct reason for George's Social Security benefits being reduced. This provision is designed to adjust the Social Security benefits of individuals who receive a pension from employment not covered by Social Security, such as certain government jobs. It aims to prevent these individuals from receiving higher benefits than they would have otherwise earned based on their work history in jobs covered by Social Security.

The WEP modifies the benefit formula used to calculate Social Security payments, thereby lowering the amount someone might receive if they have a significant pension that does not contribute to Social Security. This change ensures that the benefit amounts are more reflective of an individual’s contribution to the Social Security system throughout their working life.

The other options refer to different circumstances affecting Social Security benefits. Dual eligibility rules can apply when someone qualifies for multiple types of benefits, but they do not inherently reduce benefits. The government pension offset rules specifically affect spousal or survivor benefits for those who receive a government pension, not the individual's own Social Security benefits. The Social Security earnings limitation pertains to how much a person can earn before their benefits are temporarily reduced, primarily affecting those who are still working and receiving benefits.