Monthly Archives: March, 2010

Q: I will be retiring in August 2010 under CSRS. I am 55 years old. I will be keeping my FEHB coverage. Currently, my wife is covered under my FEHB plan and she is 49 years old. When I reach the age of 65, I realize that I will be covered by Medicare as my primary health provider, while my FEHB plan will be my secondary health plan. My question is, Will my wife continue to be under FEHB plan as her primary provider? Which health plan will cover my wife? A: Since she won’t be old enough to qualify…

Q: If one is drawing a FERS annuity and receiving the special retirement supplement, how do any earnings in excess of the earnings limit get paid back to the Civil Service Retirement and Disability Fund? Does one write a check at the end of the year? A: When your earnings in one year exceed the earnings limit, your special retirement supplement will be reduced in the following year. The reduction cannot be more that the total amount of SRS you received during the year when the excess earnings occurred.

Q: I am a retired regular army officer. If I accept a GS position with Homeland Security will I forfeit some of my retirement? A: Only if you choose to do so. By that I mean, you have the opportunity to make a deposit to the civilian retirement system and get credit for that period of active duty service in determining your years of civilian service and in your annuity computation. At retirement, you would be required to waive your entitlement to military retired pay. If you chose not to make a deposit and waive your military retired pay, your…

Q: I am a substantial contributor to Social Security through the military reserves, and I worked six years as a teacher. I also have 26 years of CSRS service and five years of CSRS OFFSET for a total of 31 years of service. My high three is $107,800. I am 61 years old and could retire now. I understand how the security portion of the offset will be calculated but I do not understand how the substantial contribution portion will be handled through the military and as a teacher. A: Substantial earnings under Social Security are substantial earnings, no matter…

Q: I was involuntarily retired from the Air Force because of an injury received while at work. It was a gradual process. I was injured (torn ACL in my left leg) in 1998. I was then returned to work. The ACL repair wasn’t successful, so I underwent a second surgery in 2001. I started rehabilitation but did not complete it. I was then moved into a supply position. I underwent a third surgery in 2003. I started rehabilitation and I completed it according to the rehabilitation specialist’s instruction. However, he (DOL) insisted that I pay for everything and assured me…

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