Q: I worked for the federal government covered by CSRS prior to 1985; after a break in service I was re-employed as a CSRS Offset. I understand that when I am eligible for Social Security at age 62 my CSRS annuity will be reduced and a Social Security benefit based on work done while I was covered by CSRS Offset will be added. Am I correct in thinking that the total of the two benefits will equal the original CSRS benefit? Am I required to take the Social Security component at 62 or could I delay for a larger benefit later? I am eligible for a Social Security benefit based on non-CSRS Offset work. Do I have to take that benefit at age 62 or can I delay?
A: You can delay receipt of your Social Security benefit if you want to; however, your CSRS annuity will still be offset at age 62 by the amount of Social Security benefit you earned while employed under CSRS Offset.