CSRS Offset and Social Security


Q: I worked for the federal government covered by CSRS prior to 1985; after a break in service I was re-employed as a CSRS Offset. I understand that when I am eligible for Social Security at age 62 my CSRS annuity will be reduced and a Social Security benefit based on work done while I was covered by CSRS Offset will be added. Am I correct in thinking that the total of the two benefits will equal the original CSRS benefit? Am I required to take the Social Security component at 62 or could I delay for a larger benefit later? I am eligible for a Social Security benefit based on non-CSRS Offset work. Do I have to take that benefit at age 62 or can I delay?

A: You can delay receipt of your Social Security benefit if you want to; however, your CSRS annuity will still be offset at age 62 by the amount of Social Security benefit you earned while employed under CSRS Offset.


About Author

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

Leave A Reply