Q: I am a retired CSRS federal employee (Navy civilian) with 35 years service. I also earned 40 quarters under Social Security and receive about half of the Social Security benefit I would get if I were not getting CSRS retirement pay. My wife did not work enough to have 40 quarters, but I understand that she is entitled to half my Social Security benefit. Question: Is she entitled to half my non-reduced Social Security, or half my reduced Social Security?
A: She is entitled to half of your unreduced Social Security benefit.