By Reg Jones
Q. My wife receives Social Security benefits under my contributions and from hers. She is not a federal retiree, but a retired teacher who had 20 calendar months uncovered, which was credited by the teachers’ pension as eight school months. The government pension offset was applied against her whole Social Security benefit. Does the GPO get applied in this manner, or should it be similar to the windfall elimination provision, which goes against only the portion of pension dependent upon the uncovered months?
September 24th, 2013 | annuity reduction Creditable service: CSRS CSRS annuity computation Government pension offset Military service deposits RETIREMENT SOCIAL SECURITY Windfall elimination provision
Q. I am a CSRS employee who has been working for 33 years plus four years of military credit gives me 37 years of service. I also have more than 40 credits to qualify for Social Security. I will be 62 this month. What is my classification in terms of government pension offset, windfall, etc.? I know that since I will receive a government pension, my Social Security will be reduced, but by how much and how can I figure it out? I plan on retiring ay the end of this year or next year.
Q. I know there is a government pension offset when receiving FERS disability retirement and Social Security disability benefits, but is there an offset when receiving regular federal retirement benefits and SSD benefits?
Q. Is the Social Security benefit that the federal retiree receives from a spouse’s nonfederal work history reduced in any way because the retiree is receiving a federal pension?
Q. I am a federal employee under CSRS for 40 years. When I am receiving pension, am I eligible to get half of my husband’s Social Security benefit? And if he dies before me, will I be able to collect his Social Security benefit?
Q. I am a 62-year-old CSRS Offset retiree receiving Social Security survivor benefits. I have been informed that my annuity will be reduced by $773 per month since I am now eligible for Social Security benefits.
When I applied for Social Security benefits on my own earnings, I was told that I could not receive both my benefit and the survivor benefit I was already receiving. It was my understanding that I would receive a reduced Social Security benefit equal to the amount of the offset to my annuity and that I was also entitled to keep my Social Security survivor benefit since I had more than the five years of CSRS Offset service required to avoid the government pension offset. Am I wrong?
Q. Can a CSRS retiree collect half of a spousal benefit under Social Security to get a higher benefit than he would receive under the windfall elimination provision? My Social Security check was reduced nearly 50 percent. If I could collect half of my wife’s benefit, I would come out a few hundred dollars ahead every month.
Q. I am CSRS and on the verge of retirement with 40 years at age 66. I do not have 40 qualifying quarters for Social Security entitlement. My former spouse will be getting a portion of pension. She is Social Security-qualified. Will her Social Security payments be offset by the amount of my pension she receives because of the windfall elimination provision?
August 14th, 2013 | annuity reduction Benefits Creditable service: CSRS Creditable service: FERS CSRS annuity computation FERS annuity computation Government pension offset RETIREMENT SOCIAL SECURITY spouse benefits substantial earnings Windfall elimination provision
Q. In 1999, I voluntarily switched from CSRS to FERS after 22 years of CSRS service. Since 1999, I have been covered under FERS and paying Social Security. I plan to retire this year at age 67 after 36 years of service. I’ll have accumulated 54 calendar quarters of substantial and maximum earnings. At the time I elected to transfer from CSRS to FERS coverage, I was told that I’ll be exempt from windfall elimination provision deduction from Social Security benefits and that my spousal Social Security benefits will not be affected by the government pension offset. Is this correct?
Q. I am a CSRS Offset employee, having 33 years with the federal government (five years and seven months as CSRS, 28 years as CSRS Offset). Prior to that, I worked and paid into Social Security.
Now including CSRS Offset, I have more than 30 years of paying into Social Security.
If my CSRS annuity is $1,000 monthly and Social Security pays me $1,000 monthly at age 62, can I expect to receive $2,000 monthly with no reductions from the windfall elimination provision and government pension offset?
Q. I’m CSRS and will retire with 35 years of service. My spouse is CSRS Offset and will retire with 33 years of service. I have been told I would receive a full survivor annuity. Will it come from the Office of Personnel Management because I thought I would fall under the government pension offset with the Social Security part. My spouse should have no problem with receiving a survivor annuity from me, right?
Q. I worked for the Internal Revenue Service for more than 30 years. I receive a CSRS pension. Can I receive my deceased husband’s Social Security benefit?
July 26th, 2013 | Government pension offset
Q. Could you please tell me what the government pension offset is for income tax purposes in Virginia and Maryland? I know that in D.C., it is $3,000, and hasn’t changed since 1987.
Q. I am a 33-year Postal Service employee. Thirty-three years ago, union officials told me that the government was working on eliminating CSRS Offset and the windfall elimination provision all civil service employees. As of today, they are both still in place. I feel lied to and cheated by my government. Politicians can collect multiple pensions, yet if I try and collect my Social Security benefits, though I have worked enough quarters, I would be penalized. Then, if my spouse dies, I am not entitled to her Social Security benefits, as I understand it. Is there a chance that these two antiquated laws will be repealed so civil servants like myself can enjoy the benefits that others get?
Q. I am planning to retire under CSRS next year with 38 years’ service. My husband retired from private industry and receives Social Security. If my husband predeceases me, will I receive his survivor annuity, or will it be subject to the windfall elimination provision and be drastically reduced?
Q. My husband is a retired federal employee under CSRS. Does he have survivor benefits for my Social Security?
Q. Please clarify where you obtained the answer to the question below, which was posted on your website. I have contacted the Social Security office and have been told that my spouse’s earned Social Security benefits will be offset by 2/3 of the survivor benefit should I die. And if the offset is higher than my spouse’s Social Security benefit, then the Social Security benefit will be zero. Your answer to the question says the complete opposite:
Q. I am collecting a pension under CSRS. My wife, who has worked and contributed to Social Security, plans to start collecting her Social Security pension this year at age 62. I have opted for survivor benefits under CSRS.
How will my wife’s Social Security pension change in the event of my death — and, vice versa, will my federal pension change because of her passing?
A. If you died, your wife would be able to receive both her earned Social Security benefit and a CSRS survivor annuity, with no reduction in either.
Q. I am under CSRS. My wife has worked in private sector her entire career. If she dies before I do, will I be entitled to her Social Security survivor benefits, or will there be an offset?
Q. I am 74 years old, retired under CSRS and receiving about $1,900 per month after taxes and Medicare payments. My wife is 76 years old, retired under Social Security and receives about $290 per month after Medicare. Am I correct in the following assumptions:
1. The spouse of a Social Security retiree can receive a benefit amount up to 50 percent of what the retiree receives and not affect the retiree’s benefits.
2. The spouse of a CSRS retiree does not receive such a benefit.
If I am correct, this example only helps to substantiate the idea the Congress cares not for employees who contributed so much for the federal government.
Q. I am a CSRS retiree. Can I collect my federal retirement and also collect on my share of my husband’s Social Security benefit?