CSRS, Social Security and the windfall elimination provision


Q. I’m a traditional CSRS employee with 34 years and no break in federal service. I also have paid into Social Security with 15 years of substantial earnings. I plan to continue to work until age 70 in CSRS. My Social Security full retirement age is 66.

When I apply for Social Security benefits, can I work full time and collect Social Security? And will the windfall elimination provision decrease my Social Security benefits while I am employed?

A. Yes to the first question and yes to the second if you have fewer than 30 years of substantial earnings under Social Security when you retire.


About Author

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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