Q. Is every CSRS employee considered an offset? I retired in 2012, started in 1977, and now, at 62, applied for my Social Security. I was informed that the CSRS annuity reduced my very small Social Security check to $100. Now, will the Office of Personnel Management reduce my annuity by that 100? A. Pure CSRS retirees like you are subject to the windfall elimination provision. The WEP reduces the Social Security benefit of anyone who receives an annuity from a retirement system where he didn’t pay Social Security taxes and has fewer than 30 years of substantial earnings under…
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Q. I will be retiring in early 2014 under CSRS with a spouse and disabled son. I understand that, with proper approval from the Office of Personnel Management, my disabled son may be carried as a beneficiary for survivor benefits at no additional cost. I know that normally, if a dependent spouse predeceases the retiree, the cost of survivor benefits will no longer be deducted from the retirement annuity. Is this still true with the disabled dependent, or will I continue to pay the survivor’s benefit cost?
Q. I am age 62 with 33 years of federal service. What is the best source for calculating my benefits?
Q. I am a federal employee under CSRS. My service computation date is May 1, 1976. I have six years of active-duty service and do not qualify for Social Security, nor will I qualify when I plan to retire at age 62. I know at that time, since I don’t qualify for Social Security, no deposit is required to get credit for my military service and that my federal CSRS annuity will not be reduced. Assume I retire at age 62 as described above not qualifying for Social Security. But, say, at age 63, I get a private-sector job after…
Q. I am 53 years old and have been actively working as a federal employee for 15 years. When would I be eligible to retire?
Q. I was hurt on the job as a federal worker. This injury has forced me to take a FERS disability retirement as I cannot perform my function. When I turn 62, do I lose my disability pay and must I rely on what normal retirement I would have had (not enough to live on)?
Q. I am in CSRS Offset and I will be eligible to retire with an annuity and possible early buyout at age 50. I received my benefit estimate report, which has a monthly Social Security offset amount. Is this amount what I will get in addition to my annuity when I am 62? I also see that if an employee decides to delay receiving Social Security benefits until after he or she turns 62, the CSRS benefit would be reduced even though the employee might not be receiving the Social Security benefit? Is that correct?
Q. Recently, I contacted the Office of Personnel Management to get an official ruling on the “one-time check” at age 62. This check occurs when a CSRS retired person turns 62. OPM cannot provide in writing that this “one-time check” is official. In my case, I will not have 40 credits when I turn 62, so I will not qualify for Social Security. Because I will not qualify for Social Security, I do not expect to have my CSRS pension reduced. What if I become eligible (obtain 40 credits) sometime after I turn 62? I would like to have something…
Q. I completed 14 years in a federal law enforcement position before leaving. I would like to get my final six years to complete my 20 years and am considering a local law enforcement position as a correctional officer in a prison. 1. Does any other law enforcement position have to be with the federal government? 2. Would this position permit me to retire with the 20 years needed to get my law enforcement retirement? 3. How would my high-3 be calculated in this scenario? Would it be my high-3 from my total law enforcement career?
Q. I was in CSRS for nine years (1965-1974) before having a 15-year break in service. When I returned to work for the government (1989), I was placed in CSRS Offset until my retirement in January 2013. I am receiving Social Security benefits, as well as my reduced CSRS Offset government pension. During one of my calls to Social Security regarding my benefits, I was told that I have paid into Social Security for 29 years and that, if I could get one more years earnings paid into Social Security, that the amount of the CSRS Offset reduction would not…