Windfall elimination provision


Q. I expect to retire with income from a state employee retirement, CSRS offset and Social Security paid while working other than the CSRS offset Social Security.

To what extent will the windfall elimination provision apply? Since there are two Social Security eligibilities, does the WEP apply to both? Will the CSRS offset Social Security portion be reduced by the WEP as well as the Social Security earned when working for nongovernment employers?

A. At age 62, your annuity will be reduced automatically by the amount of Social Security benefit you earned while a CSRS offset employee. If you have fewer than 30 years of substantial earnings under Social Security, you’ll also be subject to the windfall elimination provision. If you are subject to the WEP, it could affect the amount of Social Security benefit attributable to your CSRS offset service.


About Author

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

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