Q. Recently, a colleague and I were reading your Dec. 2 article “Don’t let these 5 mistakes disrupt your plans.” Your statement on number 5 (not accounting for the government pension offset) leaves us wondering. We are under CSRS and retiring this month. Her husband is still working and will be eligible to draw Social Security benefits when his time comes to do so. Your statement indicates that when he draws Social Security, her CSRS annuity will be reduced. REALLY? I know that if he draws Social Security and dies, she eligible to receive his Social Security, but her pension with…
Browsing: Windfall elimination provision
Q. I’m under CSRS Offset, but I have 36 years of substantial earnings under Social Security. Will either pension be reduced?
Q. I need information as to how Medicare Part B premiums are paid when the following applies, per CMS.HHS: “If you are not set up on your spouse’s Social Security number with a B or D following the Medicare number.” My wife’s Medicare Part B card has a B following the Medicare number. When my wife retires from the Postal Service with an immediate CSRS annuity, her Social Security benefit, which is now used to pay the Part B premiums, will be greatly reduced due to the windfall elimination provision. If she cannot have the premiums deducted from her Social Security benefit, is there some other…
Q. I am a CSRS employee with 34 years in at age 64. I plan to retire in April. I earned my 40 credits prior to being a federal employee. I do not plan to sign up for Social Security until I turn 66. As I understand the windfall elimination provision, I will go into retirement receiving whatever CSRS annuity I arrange and when I sign up for Social Security, I will maintain the CSRS annuity but receive a reduced amount of Social Security. Correct?
Q. I’m retiring this year with 33 years of service under CSRS. I’ve earned enough credits (however do not have 30 continuous years of Social Security) to be eligible for Social Security. Will the WEP affect what I would get from Social Security, and reduce my retirement annuity? Or will I be able to collect my full retirement annuity but just have a reduced Social Security check?
Q. I will be 62 on Sept. 3 and will still be CSRS for another year or so. Can I collect 100 percent of my Social Security amount for age 62 at that time?
Q. I am a CSRS employee who started with the Postal Service in 1981. However, I worked in a supermarket before the USPS and worked for the union for the past six years. For both of those other jobs, I have paid and still am paying Social Security. I have heard the expression of “having enough quarters” for Social Security retirement. What does that mean, and how many quarters are needed?
Q. I retired under CSRS after 26 years of service. I worked for six years before my federal service and have been working and paying Social Security for the past nine years. If I put in 20 years under Social Security, will I still be affected by the windfall elimination provision?
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…
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…