Q. I am a CSRS employee with 34 years in at age 64. I plan to retire in April. I earned my 40 credits prior to being a federal employee. I do not plan to sign up for Social Security until I turn 66. As I understand the windfall elimination provision, I will go into retirement receiving whatever CSRS annuity I arrange and when I sign up for Social Security, I will maintain the CSRS annuity but receive a reduced amount of Social Security. Correct?