Browsing: Government pension offset

Q. My husband died on Nov. 8, 2012. I am a retired federal employee. I applied for survivor benefits and received a letter of approval that states I cannot be paid because two-thirds of the amount of my government pension is equal to or larger than my monthly Social Security benefit. Please contact me so if I can appeal this issue.

Q. I am a CSRS Offset employee. I had seven years and 10 months of CSRS service when I left and took my funds out. I returned as CSRS Offset after a 15-month break, did not make a redeposit and now have an additional 26 years of service. I am looking at retiring in 4½ years at age 60. In addition, I am divorced (married 28 years and one month, not remarried). My ex-husband has always made substantially more. Based on the scenario stated, I am of the opinion that: 1. The windfall elimination provision will not apply since I…

Q. I am a retired Postal Service FERS employee. I took the early-out in February with reduced pension. I am going to marry a Postal Service CSRS employee retired on postal disability. He has little Social Security time, which he is not collecting. We would like to know if one of us will lose our postal pension. If so, how much and why?

It’s easy to make mistakes when you are planning to retire. Some of the biggest mistakes apply to all employees; a few apply only to CSRS or FERS retirees. All can be costly. Here they are and what you can do to avoid them: Retiring on the spur of the moment. It can be disastrous, for two reasons. First, if you hand in your retirement application at the last minute, it may contain errors that delay processing or even cause it to be rejected. Second, decisions made in haste often come back to bite you. Once committed to a course…

Q. I am a CSRS Offset employee who will be retiring in January. My spouse is a full CSRS retiree receiving an annuity. I am trying to decide if I should provide a survivor annuity for him on my retirement. 1. Because he is a full CSRS and affected by the windfall elimination provision, I was told by Social Security that he would not be eligible for Social Security spousal benefits on my Social Security account. Is this correct? 2. If I take the full 55 percent survivor annuity for my spouse and he does not apply for Social Security,…

Q. I want to see if I can suspend my medical insurance (I am retired FERS). I have taken a part-time job that offers medical benefits if I want them. I need to make a decision soon and was told that when I retired, I would be able to suspend my medical if I found work. What is the amount I can earn before I have to pay back to the Social Security (as I am 59), and do I pay back dollar for dollar?

Q. My husband will be retiring for the Postal Service in November. Should he get a spousal annuity for me, a CSRS employee who will be retiring in 2016? Will I be eligible to draw Social Security benefit from his retirement and my CSRS retirement upon his death?

Q. My wife receives Social Security benefits under my contributions and from hers. She is not a federal retiree, but a retired teacher who had 20 calendar months uncovered, which was credited by the teachers’ pension as eight school months. The government pension offset was applied against her whole Social Security benefit. Does the GPO get applied in this manner, or should it be similar to the windfall elimination provision, which goes against only the portion of pension dependent upon the uncovered months?

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