CSRS and Social Security


Q. I retired under the CSRS with approximately 33 years of government service, and I qualified for Social Security under other jobs. How will my CSRS monthly pension be affected when I begin to qualify for Social Security?

A. Qualifying for a Social Security benefit would have no affect on your CSRS annuity. On the other hand, because you’d be receiving an annuity from CSRS — a retirement system where you didn’t pay Social Security taxes — your Social Security benefit would be subject to the windfall elimination provision. WEP reduces the Social Security benefit of anyone like you who has fewer than 30 years of substantial earnings under Social Security.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.


  1. My CSRS was reduced when I turned 62 because I was eligible for SS. When I file at 66 for SS will my SS also be reduced. I thought it was one or the other.

    • When you turned 62, your CSRS annuity was automatically reduced by the amount of Social Security benefit you earned while a CSRS Offset employee. When you apply for a Social Security benefit, it will be based on your entire work history under Social Security, not just your time under CSRS Offset.

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