Q. I am retired under CSRS. I am 60. I have four years of military time that I have not paid back.
I have 22 quarters of Social Security. If I start working in the private sector, I will not acquire 40 credits by my 62nd birthday. Can I still have my CSRS retirement reduced if I acquire 40 credits after my 62nd birthday?
A. No. However, if you become eligible for a Social Security benefit, it will be reduced because of the windfall elimination provision.