Impact of retiring early on Social Security …


Q. I’m 60 years old now, CSRS Offset, with 26 years of service. What will I be losing if I retire now at 60 instead of 62 years old?

A. If you retire at age 60. two fewer years will be used in the computation of your annuity and your Social Security benefit. The latter will show up when your CSRS annuity is offset at age 62 and you are eligible for a Social Security benefit.


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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