Social Security quarters and CSRS benefits


Q. If I retired with 34 years of CSRS benefits and have now earned 40 quarters Social Security, will I be able to draw Social Security benefits?

A. Yes, when you reach age 62. However, because you are receiving an annuity from CSRS, a retirement system where you didn’t pay Social Security taxes, you’ll be subject to the windfall elimination provision.

The WEP will reduce the amount of that benefit because you will have fewer than 30 years of substantial earnings under Social Security.


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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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