Q. I served 21 years and six months in the military, paying Social Security all the time. I also paid a little Social Security prior to going into the military. I went into civil service under CSRS in 1985. All of my Social Security was paid into prior to going to work under CSRS, so why should I have an offset after retiring from civil service after 20 years? I paid in the CSRS program and all my Social Security was paid under a different system that shouldn’t have anything to do with civil service and my Social Security.
A. When you were first hired in 1985, you were required by law to be covered by CSRS and Social Security. Because you had fewer than five years of CSRS coverage when FERS went on line January 1, 1987, you should have been converted to FERS. However, you weren’t, so that’s water over the dam.
Because you were covered by CSRS Offset, at age 62 your CSRS annuity will be reduced by the amount of Social Security benefit you earned while a CSRS Offset employee. The amount you receive will be the same, it will just come from two different places: the Office of Personnel Management and Social Security. You will also receive any additional benefit you are entitled to based on all other Social Security-covered employment.