Q. I am a postal employee in the CSRS pension plan. I’m 64 with 33 years service. If I die before I retire, will my wife get the 55 percent of what my pension would be as if I was retired? Would she be eligible for the survivor benefit as if I would have been retired?
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Q. I am 60 and retired three years ago under CSRS with the post office. Will my annuity be reduced if I do not claim Social Security benefits at 62? I want to wait until I am 65 to claim Social Security. I worked nine years under Social Security when I was younger. A. Because you retired under CSRS – not CSRS Offset – your CSRS annuity will never be reduced. If you are eligible for a Social Security benefit, the fact that you retired from a retirement system where you didn’t pay Social Security taxes means that your Social…
Q. I worked for 10 years and five months under CSRS prior to moving to a law-enforcement covered position. How will the first 10 years be calculated with the 21 years as a LEO? A. All time beyond 20 years of covered service will be computed using the standard formula, not the enhanced one for LEOs.
Q. I am 64 and I am unmarried with a CSRS retirement with no survivor benefits designated. My 62-year-old future wife will begin receiving her Social Security benefits in September. I am not qualified to receive any Social Security benefits although I have paid in for 36 quarters. Will her Social Security benefits be affected by my income after we marry? A. No, they won’t.
Q. I’m under FERS, and my service computation date is Nov. 26, 1983. A co-worker in my organization has a SCD of Nov. 7, 1983, and is under CSRS. What is the SCD cutoff date for FERS vs. CSRS? A. As a rule, employees who were first hired before Dec. 31, 1983, are covered by CSRS. To review that requirement and other details which might affect your situation, go to www.opm.gov/retirement-services/publications-forms/csrsfers-handbook/c010.pdf. If you meet the qualifications to be covered by CSRS, you’ll need to go to your personnel office and ask them to help you process your claim under the…
Q. Between 2009 and 2012, I served two deployments in Afghanistan as a GS employee (CSRS). Can my salary during those deployments be used in the computation of my high-3? A. No. Only actual basic pay earned while a federal civilian employee can be used in that computation.
Q. I am CSRS and worked 20 years between 1983 and 2004. I am considering taking a job in a Texas school district. Will there be any offset between my CSRS annuity and my Texas state annuity? A. No, there won’t.
Q. I am a CSRS employee with a period of “post-April 6, 1986” part-time service of about 10 years. During that time, I occasionally worked hours above my scheduled tour of duty. How do I get credit for that time in my retirement annuity? A. The extra hours you worked are already a matter of record and you’ll get credit for them in your annuity computation.
Q. I work for the Air Force, and I have 35 years of actual service under CSRS and I am 62. I have confirmed from OPM that I can apply for disability retirement within a year after retiring and start receiving annuity payments. I have had FEHB for only one year so the regular retirement will not allow me to keep FEHB (five-year rule). Can I apply for disability retirement before my regular retirement, or do I have to wait until after I retire to apply?
Q. In 2009, I took the postal clerk buyout and retired. I am under CSRS with 32 years with 2 years of military Service included. When military buyback was offered some 25 years ago, I passed. In 2009, the same buyback was almost $10,000 so I passed on that. I am working and will have 37 credits of eligibility toward Social Security at the end of this year. If I continue and become Social Security eligible, how much of my monthly pension will I lose? A. If you become eligible for a Social Security benefit, you won’t lose a penny…