CSRS Offset


Q. My husband died as an active carrier with more than 30 years of service to the post office. I was told that when I reach age 60, the Social Security Administration will review my annuity, and it might change. He paid into Social Security because he was CSRS Offset. Why would I have to take Social Security, or would it be to my benefit to take Social Security at that time. I’m 57 and plan to be working past 60.

A. What happens depends on whether you are entitled to a Social Security survivor benefit based on your late husband’s work record. To learn if, how and when a reduction would occur, go to www.opm.gov/retirement-services/publications-forms/csrsfers-handbook/c071.pdf and scroll to Section 71A2.1-3.


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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