CSRS and Social Security


Q. I retired in 2006 after 39 years of federal service under CSRS. I receive a retirement annuity every month.  I’m doing some contractor work and have over 10 years under Social Security. If I apply for Social Security benefits, will my CSRS monthly annuity be decreased by the Social Security amount? If so, what benefit is it to pay Social Security taxes if I won’t ever apply to receive them? Also, do you have to pay this tax?

A. Yes, you have to pay Social Security taxes even if you never receive a benefit. However, if you have earned at least 40 credits (10 years), you’ll be entitled to a Social Security benefit. Because you are CSRS retiree, you’ll be subject to the windfall elimination provision. The WEP will reduce but not eliminate that Social Security benefit.


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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