Q. I am a 56-year-old CSRS employee with 29 years of federal service. I am a noncompetitive federal employee as a full-time National Guard technician.
I pay into Social Security on the guard side and into CSRS on the technician side.
When the windfall elimination provision is applied, how is the SS annuity calculated?
A. Your Social Security benefit will be based on all your years of Social Security covered employment. However, because you’ll be receiving an annuity from CSRS — a retirement system where you didn’t pay Social Security taxes — you’ll be subject to the windfall elimination provision if you have fewer than 30 years of substantial earnings under Social Security, To see how that might affect you, go to www.ssa.gov/pubs/10045.html.