Windfall elimination provision


Q. I retired from the military in 1980 after 20 years and receive my Navy retirement. I started working as a CSRS employee with a service computation date of November 1979. I have been receiving my full Social Security since attaining full retirement age. I plan on retiring from CSRS in January 2014 with 35 years of CSRS service with no military buyback. Will I have any offset since my Social Security was based on my military and private employment and not CSRS?

A. Because you will be receiving an annuity from a retirement system where you didn’t pay Social Security taxes, you’ll be subject to the windfall elimination provision. The WEP will reduce your Social Security benefit if you have fewer than 30 years of substantial earnings under Social Security.


About Author

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

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