CSRS Offset and widow's Social Security benefit


Q. I retired in September 2012 under CSRS Offset. My husband passed away 8½ years ago. I am about to turn 60 and will apply for Social Security spousal benefits. The Office of Personnel Management is telling me my annuity will still be reduced at age 62, when I am eligible for Social Security under my work record. Is this true?

A. Yes. The law requires that at age 62, a CSRS Offset employee’s annuity be reduced by the amount of Social Security benefit he or she earned while a CSRS Offset employee. However, the amount you receive will be the same. It will just come from two different places, OPM and the Social Security Administration.


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.


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