Social Security and CSRS


Q. I earned 40 quarters of Social Security before I worked at the Postal Service. Now I have 32 years under CSRS. Will I receive both, or will one be reduced? If so, by how much?

A. Your CSRS annuity won’t be reduced. Your Social Security benefit will. To find out why and how, go to To calculate the effect on your benefit, go to


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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