CSRS Offset


Q. I am in CSRS Offset and I will be eligible to retire with an annuity and possible early buyout at age 50. I received my benefit estimate report, which has a monthly Social Security offset amount. Is this amount what I will get in addition to my annuity when I am 62? I also see that if an employee decides to delay receiving Social Security benefits until after he or she turns 62, the CSRS benefit would be reduced even though the employee might not be receiving the Social Security benefit? Is that correct?

A. At age 62, the annuity of CSRS Offset employees is reduced by the amount of Social Security benefit they earned while a CSRS Offset employee. The reduction will occur whether or not they apply for a Social Security benefit at that time.


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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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