CSRS annuity and Social Security


Q. I receive an annuity from my deceased spouse through OPM for her federal service under CSRS. When I turned 62, the pension was reduced by what I would be paid under Social Security even though I did not apply for benefits under her earnings. I am still working and make well above the Social Security maximum earnings. The OPM annuity was reduced, even though I did not receive any benefits from Social Security. Is this correct? I am not duplicating anything.

A. The law is clear. Because you were eligible for a Social Security benefit, your CSRS annuity was reduced by the amount of Social Security benefit your late wife earned while covered by CSRS Offset. The fact that you aren’t receiving a Social Security benefit is irrelevant.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.

Leave A Reply