At what point does the first bend point of someone's Social Security benefits get adjusted under WEP?

The first bend point of an individual's Social Security benefits is adjusted under the Windfall Elimination Provision (WEP) when they have 40 credits (equivalent to 10 years of work) and also receive a pension from a job where they did not pay into Social Security. This adjustment is important as it affects the calculation of the primary insurance amount (PIA), which determines the benefits amount the individual will receive.

The WEP is designed to mitigate the advantage that individuals who primarily work in non-Social Security covered employment may gain from their earnings when establishing their Social Security benefits. By applying WEP adjustments under the specified conditions, the Social Security Administration ensures that the benefit formula reflects the individual's contributions and earnings history accurately.

Thus, the correct answer emphasizes the connection between having the necessary work credits and the existence of a pension, which prompts the adjustment of the first bend point under WEP regulations.