Q. I retired in 2009 at the age of 59. I was a Civil Service Retirement System (CSRS) employee. I am drawing my pension and have never paid into the Social Security system. My future spouse will draw his full social security at age 66. If I understand correctly, if he should die before I do, I will never be eligible to draw his Social Security. Could this be possible since my annuity is twice as much as his Social Security?
A. Because you are receiving an annuity from a retirement system where you didn’t pay Social Security taxes, any spousal or survivor Social Security benefit to which you’d be entitled will be subject to the government pension offset provision of law. The GPO would reduce that Social Security benefit by $2 for every $3 you receive in your CSRS annuity.