Military annuity and CSRS


Q. My husband (age 56) and I (age 53) are reaching the time when we are considering retirement and want to clarify a few things. I am covered under CSRS with 33 years of service. I have worked other jobs but I do not have enough credits to be eligible for Social Security. He is National Guard and will retire with over 30 years of service. He is also a government technician covered under FERS and will be eligible for Social Security. We are both retiring with survivor benefits. I know my husband’s Social Security would offset my CSRS. Will I be able to draw his National Guard military annuity without it affecting my CSRS retirement? What about FERS?
A. Your husband’s Social Security benefit would have no affect on your CSRS annuity, Instead, any Social Security spousal benefit to which you are entitled would be affected by government pension offset. The GPO would reduce that benefit by $2 for every $3 you receive in your CSRS annuity. The fact that you are receiving a CSRS annuity would have no affect on your entitlement to receive any survivor annuities based on either his military or FERS service.


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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

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