Windfall elimination provision


Q. I retired in 2009 with 37½ years under CSRS. I had no break in service. I started in 1973. I worked part time for a period while a federal employee and I had a job (short time) before federal employment.

After retirement, I went to work full time (private) and have been paying into Social Security. I got a statement from Social Security last year that shows that if I keep working at my current salary, I will collect about $680 a month at age 62 or about $1,200 a month at age 66.

I don’t believe I fall into the offset category but would like to know how/if I will be affected in both my CSRS monthly pension and Social Security.

A. While you won’t fall into the offset category, you will be subject to the windfall elimination provision. The WEP reduces but doesn’t eliminate the Social Security benefit of anyone who receives an annuity from a retirement system where he or she didn’t pay Social Security taxes, such as CSRS, and has fewer than 30 years of substantial earnings under Social Security.


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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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