Q: I am a federal retiree covered by the Civil Service Retirement System. I receive a pension and Social Security check. I was vested in Social Security before my government employment. I was, however, rather surprised by how much my SS annuity was reduced by my government employment, especially as I was already vested. My question is about my wife. She was a Maryland state employee who quit after I retired so we could move to North Carolina. She will receive a small state annuity. Since she paid into Social Security as a state employee, she will also receive a…

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