Q. I am planning to retire under CSRS next year with 38 years’ service. My husband retired from private industry and receives Social Security. If my husband predeceases me, will I receive his survivor annuity, or will it be subject to the windfall elimination provision and be drastically reduced?

A. It won’t be subject to the windfall elimination provision. Instead, it will be subject to the government pension offset provision. The GPO would reduce that Social Security spousal or survivor benefit by $2 for every $3 you receive in your CSRS annuity.


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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 fedexperts@federaltimes.com.

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