Q: I am 64 and I have worked under CSRS with no break in service for 28 years. I worked in the private sector before entering civil service. I earned my 40 quarters for Social Security eligibility before starting civil service. Will I be able to draw my Social Security upon CSRS retirement or will I be penalized?
A: Yes, you will be able to receive a Social Security benefit. However, it will be reduced if you have fewer than 30 years of substantial earnings under Social Security.