Government pension offset


Q. I am a retired Postal Service FERS employee. I took the early-out in February with reduced pension. I am going to marry a Postal Service CSRS employee retired on postal disability. He has little Social Security time, which he is not collecting. We would like to know if one of us will lose our postal pension. If so, how much and why?

A. Neither of you will lose your postal pensions. However, when you marry, your husband will be subject to the government pension offset provision. Because he has fewer than 30 years of substantial earnings under Social Security, any Social Security spousal or survivor benefit based on your work history would be reduced by $2 for every $3 he receives in this CSRS annuity.


About Author

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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