Q. I am 69 years old. I started my Social Security benefits on my own SS earnings record at my full retirement age (66) and continued working. I am going to retire in October. I thought I could change to auxiliary spouse benefits when I decided to retire to avoid the windfall elimination provision and have been informed that I can’t make this change since I would be technically entitled on my own SSN. I was a Federal Erroneous Retirement Coverage Corrections Act case as far as my CSRS retirement was figured. According to my estimate, I will be offset the full amount of my Social Security benefit rate at age 66.
A. Your CSRS annuity will only be offset by the amount of Social Security benefit you earned while a CSRS Offset employee. If you earned other Social Security credits outside of your CSRS Offset employment, the amount of that portion of your Social Security benefit won’t be affected.