Q. I am currently receiving a pension (CSRS) for the 30 years of service at USPS. I have also worked in the private sector and have paid into Social Security for 35-plus years. Will I receive a reduced benefit from Social Security when I apply? Or because of the many years that I paid into the system does the windfall elimination provision not apply?
A. You won’t be subject to the windfall elimination provision if you have 30 years of substantial earnings under Social Security. To find out what substantial earnings are, year-by-year, go to http://ssa.gov/pubs/EN-05-10045.pdf.