By Reg Jones
Q. I am going to be a retired CSRS employee. The Postal Service does not take state taxes out of the CSRS retirement check. How do I go about paying my state taxes?
Q. I have 25 years of service with the Postal Service. I am extremely ill and have been told by my doctor that I would need to consider disability retirement. My base pay is $57,000 per year. Could you please tell me what my disability retirement will be?
Q. My husband passed away in 2004. He was retired when we married, and I am wondering if I am able to receive any benefits from his pension. We were married for 25 years. He was a postmaster and worked for the Postal Service for 30 years.
Q. I’m 61 (born in 1952) and am retiring this year at age 62. Beginning in 1970, I served three years of active duty in the Navy, 10 years in the Reserve, 16 years of active-duty reserves. I retired to the fleet reserve in 1999, which delayed my retirement pay to age 60 (2012). I joined the Postal Service in 2001. At that time, I entered FERS and did military buyback. With my Navy and postal time, postal computation shows I have 30 years this year and am eligible to retire from the Postal Service. Will I be able to receive both Naval Reserve retirement and Postal Service retirement, or am I only eligible to collect Postal Service retirement?
Q. I am a 52-year-old veteran who works as a civilian for the Postal Service. I began my military career with 10 years of active-duty Army service and then honorably separated and went to work for the Postal Service. I bought back those 10 years at that time and joined the Army Reserve. I served eight years with the Postal Service full time and USAR duty as required. In 2002, my Reserve unit was called up in support of Operation Enduring Freedom/Operation Iraqi Freedom, and I remained an active-duty reservist until February 2012, when I qualified for lock-in. As required, the Postal Service held my job for me. Upon my return to the post office, I inquired about the process to make up the contributions to retirement and Thrift Savings Plan as outlined in the FERS guide and was told I could not because I was receiving reserved retirement pay, and that the time that I spent activated with the Reserve would not count toward postal retirement. Furthermore, the USPS wants to refund the money that I already paid to buy back my active duty service and not credit that time toward my USPS retirement. Is this correct? It does not appear to be under the following:
10 USC § 12741 – Retirement for service in an active status performed in the Selected Reserve of the Ready Reserve after eligibility for regular retirement
10 USC § 12736 – Service credited for retired pay benefits not excluded for other benefits.
Q. I worked for the Postal Service from 1988 to 1999 and took my retirement money with me. Someone told me that they only gave me what I put in and I am entitled to the money they matched. Is that true? Am I entitled to any pension from the post office when I am old enough to retire for good?
Q. If I continue to work at a Social Security-covered job past the age of 62, will the windfall elimination provision deduction be reduced?
I retired from the Postal Service as a CSRS employee in 2004. Prior to my Postal Service time, I had 12 years of substantial earnings in the private sector. Since my retirement in 2004, I have worked for 10 years in a job that pays Social Security deductions. So, as of now, at the age of 62, I have 22 years of substantial earnings.
I have contacted the Social Security Administration and been told to use the WEP detailed calculator to determine what my benefit would be if I made a Social Security claim. However, that did not answer my question. I realize that the longer I work, the greater the Social Security benefit will be. But, as I work longer, will the WEP deduction be reduced, too? Or is it permanently set at age 62?
Q. I have worked for the Postal Service since 1985. I did not reach career status until January 1994, when I became postmaster in my Level 11 office, so the 8½ years prior do not count, unfortunately. I have worked here my entire career. In September, it will be reduced to a Level 2 and I will not be allowed to stay. I would like to take the Voluntary Early Retirement Authority being offered. Will I be penalized the customary 5 percent per year under 30 years? I am 55 and, as of Jan. 22, have 20 years of career service (this excludes my work prior to 1994). Also, will I be able to take advantage of the special retirement supplement?
Q. I am collecting my CSRS pension, having retired from the Postal Service in February 2011 after a combined 37+ years of service — nine years and seven months with the Air Force, and 30 years and two months with the Postal Service. I’ve worked for a private corporation for about a year and had no problem with working and collecting a pension.
But now I have an opportunity to get a job with the U.S. Census Bureau. Since it is a government agency, I figured there may be some conflicts regarding collecting a salary and a pension at the same time. But each person I’ve asked regarding a potential conflict, I’ve received a different answer, which is to say, nobody really knows the answer but everyone has an opinion.
Is there clarification that you can give to me regarding the possible conflict I may have? It may not be worth my while to take a position with the Census Bureau if my financial losses outweigh my financial gains.
Q. I am 52 and I want to retire when I reach 57. I started my career with the Postal Service in 1993, which gives me 20 years. I am in the Air Force Reserve with 30 years (four years and six months active) and I also have nine months of deployment on active duty. Will I be able to buy back the full five years and three months so I can meet the 30-year requirement at age 57? How is the special retirement supplement calculated under age 62?
Q. I was employed by the Postal Service from 1987 to about 2000, out of 50 Brewery St., New Haven, CT 06511. I was informed that because of the length of time I was employed that I was eligible for a retirement benefit upon reaching the age of 59½. My 59th birthday occurred Aug. 3 (birth year 1954). I don’t remember my employee ID number, so how will I find the information I would need to apply for these benefits?
Q. I am 55-year-old postal employee with 27 years of postal service. I have read that a Voluntary Early Retirement Authority will be offered to eligible employees. Would I be eligible for the special retirement supplement? I also have an Equal Employment Opportunity case that has not been adjudicated, how would this affect my case? Would it still go forward?
Q. I left the Postal Service (CSRS) in 2000 with 21 years and seven months of service. I will be 56 years old next month. At what age can I draw supplemental annuity? What are the penalties for withdrawing sooner?
Q. I retired from the Postal Service approximately eight years ago after 11 years of service to pursue other aspirations. I am curious about the chance and opportunity to be reinstated. I am nearing age 40 and would like to get back into a solid foundation.
I worked as a distribution clerk and a window clerk, but would really like to move into a position, if allowed, that deals with the mechanics of the machines and computers since I was doing that work there, as well. Who would I be able to contact for information regarding my query?
Is there any other information that you could provide me with? If so, what would it be?
Q. I am 61 years old, a retired postal worker. My husband is turning 65 in July. I carry our medical insurance, Blue Cross/Blue Shield. Should my husband sign up for Medicare Part B, or is he required to do so?
Q. I was a postal worker for 12 years when I was injured on the job in 2001 and am now collecting workers’ compensation. Would I receive any retirement benefits at age 65?
Q. I retired from the Navy in 2001 after 20 years of service and then took a position at the Postal Service, which I have been at for 10 years. I am 53 years old. I have been collecting my military pension since I retired from the Navy and want to know what my options are for retiring from the Postal Service. Can I collect a separate pension from the USPS? If so, at what age can I retire and can I get full pension benefits from both the military and the USPS?
January 28th, 2014 | Creditable service: CSRS Creditable service: FERS CSRS annuity computation Deferred retirement EMPLOYMENT FEHBP FERS annuity computation HEALTH INSURANCE High-3 LIFE INSURANCE PAY Postal Service Re-enrollment RETIREMENT
Q. I am a 60 percent disabled veteran, so I earn a disability income. When I started work at the Postal Service, I bought my military time back so it would count toward retirement, so my service date is Sept. 1, 2001 (actually started in 2006). I am 46 years old now and I am looking to leave the USPS within three to four years. What options do I have for retirement? Could you explain deferred annuity and any other options available to me?
Q. The following is from the U.S. Postal Service Employment and Labor Relations Manual:
512.732 Entitlement Amounts
Separating employees may receive lump-sum terminal leave payments as follows:
Nonbargaining Unit Employees. Nonbargaining unit employees may receive a lump-sum leave payment for accumulated annual leave carried over from the previous year; accrued annual leave for the year in which they separate, including amounts over the carryover maximum; any unused donated leave; and for full-time and part-time regular employees, holidays that fall within the terminal leave period.
I retired Oct. 31 with an annual leave balance of 576 hours, for which I received a lump-sum payment.
That balance, if used, would have carried me into February 2014. Shouldn’t I have also been paid for all the holidays between my retirement date and the time my annual leave would have been exhausted?
Q. I withdrew my CSRS for a bit of service with the Postal Service in 1990. I then was rehired by the Postal Service and have just retired. I redeposited $2,818 to make my annuity about $100 more per month. That withdrawal didn’t affect my years of service, just the annuity amount. Can I deduct that redeposit somehow from my federal tax return for this year?