Social Security eligibility


Q. My husband has 36 quarters toward his Social Security eligibility; however he has 33 years in the Postal Service and qualifies for a postal pension under CSRS. Is he eligible to receive a reduced Social Security benefit if he retires at the end of this year, in addition to his postal pension or does he need 40 quarters?

A. To be eligible for a Social Security benefit, he would need to have 40 credits and be 62 years old. Note: If he became eligible for a Social Security benefit, it would be subject to the windfall elimination provision. The WEP reduces the benefit of anyone who receives an annuity from a retirement system where he didn’t pay Social Security taxes, such as CSRS, and has fewer than 30 years of substantial earnings under Social Security


About Author

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

Leave A Reply