Windfall elimination provision


Q. I worked 10 years under Social Security (40 quarters) prior to entering federal service under CSRS in 1979.

I retired last year at age 65 and intend to apply this year for Social Security when I turn 66.

Will the Social Security retirement payment not be reduced by the CSRS Offset because the Social Security contributions were made before the federal service employment with no overlap?

A. It doesn’t matter when you earned your quarters under Social Security. You are still subject to the windfall elimination provision. The WEP will reduce your Social Security benefit because you have fewer than 30 years of substantial earnings under Social Security.


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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