Q: I am retired under CSRS from the postal service. I am 59 and do not qualify for Social Security. In a seminar before my retirement, I was told that the Social Security Administration will check my eligibility at age 62 and, if I am eligible, an adjustment would be made for Windfall Elimination Program. However, I was told if I became eligible for Social Security after 62 no adjustments would be made. I would receive Social Security based on what I earned when becoming qualified, probably around age 65. Is any of this accurate?
A: What you were told is incorrect. If you have fewer than 30 years of substantial earnings under Social Security, the windfall elimination provision will be applied at the time you become eligible for a Social Security benefit, no matter how old you are.