Windfall elimination provision


Q. I came to the Postal Service under CSRS in 1983. I paid back my four years of active duty into my retirement, which made my annuity date 1979. While continuing my postal career, I served 18 years in the reserve for a total of 22 military years. Those 18 years in the reserve put me over my 40 quarters for Social Security, but I did not pay them into my CSRS retirement. I’m now 60 with over 33 years CSRS and my military retirement just kicked in. I have a target of age 62 for retirement from CSRS.

My most recent Social Security benefits statement shows me receiving a fairly decent benefit. But I believe the windfall elimination provision will wipe out most if not all of it. How much of a reduction can I expect? Does the WEP version of the online calculator provide a fairly decent estimate?

A. Yes, it does. Just remember that it’s an estimate not a guaranteed outcome.


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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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