Social security and civil service pensions

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Q. I have worked for the postal service since 1982, so I will not get social security because I do not have any credits. I was told though that if my husband passes away, I cannot receive any of his social security benefits because I have a civil service pension. Is this correct?

A. Because you are receiving an annuity from CSRS, a retirement system where you didn’t pay Social Security taxes, any spousal Social Security you might be entitled to would be affected by the government pension offset provision of law. The GPO would reduce that benefit by $2 for every $3 you receive in your CSRS annuity.

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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 fedexperts@federaltimes.com.

4 Comments

  1. I am retired CSRS and was not eligible for any Social Security benefit from my spouse who drew SS. He recently passed away and several has told me I am one entitled to a portion of his SS benefit. Is this true?

  2. My mother is a CSRS retiree, her husband just passed away and was on social security. I understand the GPO, but what about those retirees who retired before 2004 under the exemptions? May they still draw the spouse social security?

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