NSSA (NATIONAL SOCIAL SECURITY
ADVISOR) EXAM 2025 WITH ACTUAL
CORRECT QUESTIONS AND VERIFIED
DETAILED ANSWERS |FREQUENTLY TESTED
QUESTIONS AND SOLUTIONS|ALREADY
GRADED A+|NEWEST|GUARANTEED
PASS|LATEST UPDATE
What is the Windfall Elimination Provision?
WEP - If you have 40 SS credits AND a pension. You still qualify for SS but your first bend point
will be adjusted.
The lowest the bend point can go is 40% and that will depend on your years of substantial
earnings (the more years of earnings, the more your benefit will be).
The most SS will reduce your check by (for WEP) by NO MORE than ____ of your Gov pension
50%
Mary has a public pension from working as a school teacher but also has earned SSB from
earlier jobs. What provision applies to Mary?
WEP
Sue has been a school teacher her whole life, her husband has a SSB of $2,000. What provision
will affect her?
GPO
The Gov Pension Offset may reduce spousal/widow benefits to zero have what % offset is
applied?
2/3rds offset
The WEP will affect what bend points?
Just the first bendpoint to between 90%-40% depending on how much you worked
Will WEP reduce your benefits to zero?
1|Page
,no, it will only affect bend point 1, you will still receive SSB
Betty's pension is $3,000 a month. As a widow she is eligible for $3000 of SSB. What amount
will she receive of SSB?
$1,000
offset by 2/3rds=-$2000.
3000-2000=1000
WEP will not apply if you have more than ___ years of substantial earnings
30 years
To qualify for disability, you must have worked ___ of the last ___ quarters
20 of the last 40 quarters
You wont get paid for the first ___ months of your disability
5 months
At age 60, widow benefits are reduced by ___%
28.5%
Largest benefit at age FRA is approximately
$3,822, for an individual born in 1962
2024 Bend Points
90% of the 1st $1,174 of AIME
32% over $1,174 through $7,078
15% $7,078 up to AIME
What does AIME stand for?
Average Indexed Monthly Earnings
What year did you have to be born before to be able to apply for a restricted application?
1/1/1954
What year was Social Security created?
1935
Who received the first SS payment?
2|Page
, Ida May
What year was the COLA adjustment added?
1972
What year did SS become taxable?
1980
What CPI is used for COLA adjustments? How is it calculated?
CPI-W, you look at in inflation in the previous 3rd quarter vs current 3rd quarter. It's
automatically adjusted. The largest part is housing (30% of the index)
What CPI index might they move to in the future?
CPI-E (elderly). It's still experimental
How far back can you get backpay?
6 months
How many credits can you earn a year? How much do you have to earn to earn 1 credit? Does it
matter what time of the year you earned the money?
4 credits. $1730=1 credit
Doesn't mater when you earned the money, you just have to be alive at the start of the quarter
to earn the credit.
If you're born on the 2nd of the month you get a ___ month reduction
48 month
If you're birthday starts any day but the 2nd, what day do your benefits start?
On the first of the following month
Do you have to apply to SS or do you automatically start receiving it?
You have to apply
If you are born on the 1-10th of the month when are you paid?
On the 2nd Wed of the month
If you are born on the 11-20th of the month when are you paid?
On the 3rd Wed of the month
3|Page
ADVISOR) EXAM 2025 WITH ACTUAL
CORRECT QUESTIONS AND VERIFIED
DETAILED ANSWERS |FREQUENTLY TESTED
QUESTIONS AND SOLUTIONS|ALREADY
GRADED A+|NEWEST|GUARANTEED
PASS|LATEST UPDATE
What is the Windfall Elimination Provision?
WEP - If you have 40 SS credits AND a pension. You still qualify for SS but your first bend point
will be adjusted.
The lowest the bend point can go is 40% and that will depend on your years of substantial
earnings (the more years of earnings, the more your benefit will be).
The most SS will reduce your check by (for WEP) by NO MORE than ____ of your Gov pension
50%
Mary has a public pension from working as a school teacher but also has earned SSB from
earlier jobs. What provision applies to Mary?
WEP
Sue has been a school teacher her whole life, her husband has a SSB of $2,000. What provision
will affect her?
GPO
The Gov Pension Offset may reduce spousal/widow benefits to zero have what % offset is
applied?
2/3rds offset
The WEP will affect what bend points?
Just the first bendpoint to between 90%-40% depending on how much you worked
Will WEP reduce your benefits to zero?
1|Page
,no, it will only affect bend point 1, you will still receive SSB
Betty's pension is $3,000 a month. As a widow she is eligible for $3000 of SSB. What amount
will she receive of SSB?
$1,000
offset by 2/3rds=-$2000.
3000-2000=1000
WEP will not apply if you have more than ___ years of substantial earnings
30 years
To qualify for disability, you must have worked ___ of the last ___ quarters
20 of the last 40 quarters
You wont get paid for the first ___ months of your disability
5 months
At age 60, widow benefits are reduced by ___%
28.5%
Largest benefit at age FRA is approximately
$3,822, for an individual born in 1962
2024 Bend Points
90% of the 1st $1,174 of AIME
32% over $1,174 through $7,078
15% $7,078 up to AIME
What does AIME stand for?
Average Indexed Monthly Earnings
What year did you have to be born before to be able to apply for a restricted application?
1/1/1954
What year was Social Security created?
1935
Who received the first SS payment?
2|Page
, Ida May
What year was the COLA adjustment added?
1972
What year did SS become taxable?
1980
What CPI is used for COLA adjustments? How is it calculated?
CPI-W, you look at in inflation in the previous 3rd quarter vs current 3rd quarter. It's
automatically adjusted. The largest part is housing (30% of the index)
What CPI index might they move to in the future?
CPI-E (elderly). It's still experimental
How far back can you get backpay?
6 months
How many credits can you earn a year? How much do you have to earn to earn 1 credit? Does it
matter what time of the year you earned the money?
4 credits. $1730=1 credit
Doesn't mater when you earned the money, you just have to be alive at the start of the quarter
to earn the credit.
If you're born on the 2nd of the month you get a ___ month reduction
48 month
If you're birthday starts any day but the 2nd, what day do your benefits start?
On the first of the following month
Do you have to apply to SS or do you automatically start receiving it?
You have to apply
If you are born on the 1-10th of the month when are you paid?
On the 2nd Wed of the month
If you are born on the 11-20th of the month when are you paid?
On the 3rd Wed of the month
3|Page
