Non-Covered Pensions are pensions based on non-covered income, i.e. income not taxed Social Security. Only certain retirement accounts and government and foreign pensions are non-covered.
In the past, receipt of a non-covered pension or retirement account could affect your Social Security retirement benefit through Social Security's Windfall Elimination Provision (WEP). Non-covered pensions could also affect the amount of spousal and survivor benefits you can receive based on another's earnings record via the Government Pension Offset provision (GPO).
Both of these provisions were eliminated by the Social Security Fairness Act signed in early 2025. Our calculations therefore no longer include WEP or GPO and so the Non-Covered Pension setting has no impact on your plan. However, for a time we are allowing Maximize My Social Security customers to run their plans with and without WEP/GPO provisions applied.