Social Security and CSRS Offset


Q. I am 63 and have 28 years of paying Social Security under CSRS Offset, and 13 years of CSRS. For CSRS Offset, they show a reduction of Social Security to almost 50 percent due to the windfall; yet with the Offset, it appears that I still will be getting the same total retirement amount (approximately 80 percent of High-3) between Social Security and windfall. If I kept working under Social Security until I hit 30 years, will the CSRS annuity be reduced based on the increased Social Security so its stays within the approximate 80 percent of my High-3, or will it increase based on the additional Social Security?

A. Your annuity will be initially offset by the amount of Social Security benefit you earned while a CSRS Offset employee. However, when you receive that Social Security benefit there will be a 5 percent reduction for every year that you have fewer than 30 years of substantial earnings under Social Security. If you continue to have earnings from wages or self-employment from which Social Security deductions are taken, the amount of your Social Security benefit will be increased.


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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