Q: My husband is retiring with 40 years in the Civil Service Retirement System. We chose a survivor annuity. At age 62, I am eligible for a reduced Social Security benefit on my own earnings. If he dies, is my CSRS survivor annuity affected by my Social Security benefit, or vice versa?
A: As long as you aren’t receiving an earned annuity from a retirement system where you didn’t pay Social Security taxes, neither your CSRS survivor annuity nor your earned Social Security benefit will be affected.