By Reg Jones
Q. I am a CSRS Offset employee who retired in 2007 from the Postal Service. I just turned 62 and the Office of Personnel Management started reducing my annuity due to eligibility to SSA. I also applied for Social Security. After receiving one full check, they too have reduced my check under the windfall elimination provision for the same exact amount as the OPM reduced it. Is this possible?
Q. I retired in June 2011 at age 56 with 32 years at the Postal Service under CSRS. When I turn 62, will I be able to apply for Social Security benefits without reducing CSRS benefits? I have enough quarters to draw a small amount from Social Security.
Q. I retired in 2006 after 39+ years of federal service. I’m still working and have the necessary time to qualify for Social Security benefits. If I apply for Social Security benefits, will the amount I receive reduce my CSRS retirement amount?
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. I have retired after 42 years of federal service. I was on CSRS with no offset. How does Social Security affect my benefits? Before starting my career with the federal government, I had amassed enough quarterly hours to qualify for a small Social Security benefit. Am I still entitled? Will my CSRS be subjected to offset? Or does Social Security really not affect my CSRS benefit but because I received much more than I would as a recipient receiving SSI benefits, SSI really doesn’t exist as far as I am concerned?
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. Is there any legal way around the windfall elimination provision if you have only the 40 quarters of Social Security. My pension was reduced nearly 50 percent because of this act. My wife collects Social Security. Could I get half of her benefit and give up mine? She gets over $1,300 a month while I am now getting $349 monthly. I had over 38 years under CSRS with the Postal Service.
Q. I am one of many in the offset program. I am also one of the few who have paid in full to both CSRS and Social Security. As such, I should not be expected to have an offset to my retirement. Right?
Q. Can I reduce or eliminate the windfall elimination provision reduction by continuing to work? I am now 62, and about to receive a modest deferred CSRS Offset pension. I also have 24 years of substantial earnings in Social Security. If I continue to accumulate substantial earnings, can I get up to 30 years, at which point the WEP penalty disappears? That is, if I don’t apply for Social Security until I’m 70, will they calculate the WEP based on my earnings record as of age 62? Or will they wait until I apply for Social Security? Read the rest of this entry »
Q. I am retired under CSRS, then took a part-time job in the private sector to get my 40 credits to collect at least something from Social Security. I have recently started collecting my windfall elimination provision-reduced Social Security benefit. I am continuing to work this job. I see upon logging on to My Social Security, that my 2012 income has been posted but my monthly payment has not increased. Do my earnings increase my Social Security payments? When does that happen?
Q. I am 59 years old. I receive a CSRS disability annuity from service with the Postal Service. When I turn 62, I will also qualify for a Social Security annuity. Will I still receive my CSRS disability annuity at that point? Will I have the option of postponing taking my Social Security?
Q. I retired on CSRS disability from the Postal Service in 1989. I had already worked and paid in all my quarters to draw my Social Security before I started working for the federal government. Will or can my Social Security check be offset by the Offset Law that was passed in 1986? I have been told it would not be.
Q. I am 52 and would like to retire at 55. At that point, I will have 35 years in CSRS. I also have 36 quarters in Social Security as I worked a part-time job in college and other points in my life. Will I receive Social Security benefits with less than 40 quarters, and if so at what level? Also, if I go back to work as a contractor after I retire from federal service and get my additional quarters, what would be the impact when the windfall elimination provision kicks in?
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. My husband (65) is retired after over 30 years with the Postal Service. He recently went to apply for Social Security benefits and was denied because he was told that he was minus a few quarters and would have to go back to work to earn those quarters because he worked under civil service all those years. Is this true? Will he have to find a job at his age?
Q. I retired from CSRS in 2002. I applied for Social Security at age 62 with the windfall elimination provision. I am 65 and would like to work a nongovernment job. Will WEP have an effect on any future earnings and my small Social Security benefit?
Q. I am about to retire under CSRS. If I work in the private sector and earn 40+ credits, will I be able to receive Social Security benefit payments along with my CSRS retirement annuity without any offset? If the answer is no and I go to work in the private sector, or for myself, do I/they have to withhold Social Security taxes from my salary since I will not be able to draw Social Security benefits (why would you have to pay into something you cannot receive benefits from later)?
Q. I am a CSRS Offset, have 15 years under Offset and 18 under straight CSRS. You gave a formula in one of your answers to take the CSRS years times the Social Security estimate divided by 40 to get the amount that would reduce your CSRS payment.
My estimate of $1,000 in Social Security is the amount for my entire years contributing into Social Security (both CSRS Offset years and years before working with the federal government). How do I figure out what amount of the $1,000 belongs to the Offset years?
Q. I am age 65 with 35 total years of Veterans Affairs Department service despite a seven-year interruption in the private sector. I am in CSRS Offset. I have been told by human resources department that my Old Age, Survivors and Disability Insurance contributions count toward the 30 years of substantial earnings and that the windfall elimination provision will not apply (as I have 30+ years of substantial earnings). This would mean I would receive my full Social Security and Veterans Affairs Department pension. Is this correct? Are there other elements of my retirement and pension benefits under CSRS Offset and Social Security that will be affected in any way (e.g., spouse benefits)?