Social Security spousal benefit


Q. I am 60 years old with a USPS pension (CSRS). I have earned 40 credits with side jobs to collect Social Security at age 62. My wife is 56. Can I get Social Security using her work record to increase what I get? Mine is $330/month before WEP. Please let me know the best scenario for me.

A. While you could, it’s likely that you would receive little or nothing. That’s because the spousal benefit of anyone receiving an annuity from a retirement system where he didn’t pay Social Security taxes will be subject to the government pension offset. The GPO would reduce that Social Security spousal benefit by $2 for every $3 you receive in your CSRS annuity.


About Author

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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