Retirement benefits under both systems


Q: I plan to retire next year at age 62. I had 10 years of service under the Civil Service Retirement System. I took a 15-year break and returned under the Federal Employees Retirement System. I have 19 years under FERS. I will receive retirement benefits under both systems. I understand my Social Security benefits will be reduced due to the Windfall Elimination Provision. My question is, will the reduction be based on just the CSRS portion of my annuity or on the full annuity (FERS and CSRS)?

A: The reduction will be applied to your entire annuity, not just the CSRS component.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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