CSRS Offset


Q. I have recently retired under CSRS-Offset at 68 with 23 years of substantial earnings under Social Security. Before I retired I was receiving Social Security Survivors Benefits from my spouse work record in private industry. Will the windfall elimination provision affect the Survivors Benefit?

A. The windfall elimination provision doesn’t apply to Social Security survivor benefits. The government pension offset does. However, because you were covered by CSRS Offset for at least five years, it doesn’t apply to you. Your survivor benefits won’t be affected.


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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 fedexperts@federaltimes.com.

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