CSRS Offset


Q. Will a CSRS Offset employee’s annuity be reduced at age 62 for any reason? If so, what could affect the payment?

A. At age 62, the annuities of CSRS Offset retirees are automatically reduced by the amount of Social Security benefit they earned while covered by CSRS Offset. However, they will receive that offset amount in their Social Security benefit, plus any additional amount to which they are entitled based on other Social Security-covered employment.


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. I’m trying to retire at the end of December 2017 with 23 years of federal time as a CSRS offset . I am getting a couple of different annuity estimates as well as 3 different estimates from social security.I will be 64 years and 6 months at the end of 2017. Trying to get clarity on my retirement income from both federal and social security so I know more or less what my income will be from those two sources. Appreciate any help . Thank you Henry Chavez. I can be reached at cell # 760-285-6000 as I currently have no direct email address. I have also 448 hours of annual leave on the books which I plan on getting paid out on. I am cars offset

    • For CSRS Offset employees, the basic rule is that they’ll get the same amount of money as any pure CSRS employee; however, it will come from two different places: OPM and the Social Security Administration. They’ll also be entitled to any additional Social Security benefit they earned while not covered by CSRS Offset. Since you’ve been given a variety of estimates, there’s no way to predict what that additional amount will be.

  2. Linda H Branch on

    I am a CSRS retiree from the USPS. My deceased husband was active duty military when he died in 1984. Am I eligible for Social Security survivor benefits from him without having my CSRS retirement check reduced?

    Thank You,
    Linda H Branch
    Please e-mail me at : lbranch1@comcast.net

  3. Marilyn Keeter on

    My question is – should I wait until my full retirement age to collect social security or should I claim social security when I reach 62? I’m a CSRS offset retiree and I know that once I reach age 62, my retirement pay will be reduced by the amount that social security will pay – but if I wait until I reach full retirement age, will it be reduced even further to cover the additional amount that social security is paying me? I’m unsure whether to claim social security at age 62 or wait – need to make sure that it makes financial sense to wait or not wait.

    • At age 62 your annuity will automatically be reduced by the amount of Social Security benefit you earned while a CSRS Offset employee. This is a one-time permanent reduction. From that point forward, your annuity and your Social Security benefit will be increased whenever their is an annual cost-of-living adjustment.

  4. I am CSRS Offset and planning to retire in January 2018. I am not subject to WEP (I have more than 30 years of substantial earnings). I am now 62 so I know my CSRS pension will be reduced by the Social Security offset. However, if I retire and collect my offset CSRS pension, but don’t file for Social Security until Full Retirement Age (FRA 66 years & 2 months), is there a financial advantage to working longer, hopefully until 66 and 2 months? Will it increase my SS benefit?

    • Maybe, maybe not. It would depend on your AIME (Average Indexed Monthly Earnings) when you claim that benefit. If your retired and didn’t go back to work, your Social Security benefit would remain the same, regardless of when you claimed it. If you went back to work, your Social Security benefit would be subject to the Social Security earnings test. Because you’d be under full Social Security retirement age, your benefit would be reduced by $1 for each $2 in earnings you received above the annual limit. In 2017 that limit is $16,920.

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