Q. I retired as a CSRS Offset employee in 1997 at age 50. Since federal retirement, I worked in the private sector paying Social Security on those wages. At age 62, OPM reduced my federal annuity by about 25 percent but hasn’t adjusted my annuity since, even though I’ve contributed near the maximum into Social Security during the eight years since. I see nothing indicating that the offset ratio is a one-time event. What recourse do I have?

Q. I am retired 23 years from the military, working now as GS and did not buy back time. By the time I am eligible for full retirement at 67, I will have about 15 years in FERS. Am I entitled to military, FERS and Social Security separate payments?

Q. There has been talk that the FERS supplemental is going to be done away with. Will it be replaced with another supplemental? What was the purpose of the supplemental in the first place? The cost of living has not gone down — it continues to go up each year. FERS employees will need some to bridge the gap before they can draw Social Security.

Q. I am in civil service with 40 years and 9 months, including two years in the military for which I’ve made a deposit. I also have one year and four months of unused sick leave. Do I qualify for the maximum 80 percent annuity? I now have allotments taken out of my pay stubs. When I retire, will they remain the same? I hope so because I don’t want them to change. If I get a full-time job in the private sector, will that affect my annuity? I’m eligible for Social Security. I’ve heard that if you work for only 180 days…

Q. My mother retired from the U.S. Postal Service in 1997 or 1998. She came in under CSRS and later FERS; however, I guess she did not pay into Social Security at the time, unknowingly. But she worked for years with the state prior to that and was not given credit for it. She receives the bare minimum from Supplemental Security Income. Is there anything that I can do to help her? She has worked more than 50 years to only receive $250 per month.

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