Q. I’m under CSRS Offset, but I have 36 years of substantial earnings under Social Security. Will either pension be reduced?
A. Your CSRS annuity will be reduced by the amount of Social Security benefit you earned while a CSRS Offset employee. The amount you receive will be the same. It will just come from two different places: the Office of Personnel Management and the Social Security Administration. Any Social Security benefit you earned outside of federal employment will be added to that. Because you have at least 30 years of substantial earnings under Social Security, you won’t be subject to the windfall elimination provision.