CSRS Offset


Q.  I retired in January 2011 from the Postal Service with 32 years of service. I received my letter from OPM detailing my offset. Does this mean that my Social Security will be reduced or just my civil service monthly payment. None of this is very clear.

A. It sounds like you are a CSRS Offset employee (CSRS and Social Security).  If so, your CSRS annuity would be offset at age 62 by the amount of Social Security benefit you earned while covered by CSRS Offset. The offset applies, whether or not you apply for a Social Security benefit.


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

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