Q. As a CSRS offset employee, I am aware that the CSRS benefit will be reduced at age 62. If I choose not to claim Social Security benefits at age 62 and wait until my full retirement age of 66, will my SS benefit increase as it would under standard SS practices?
A. Your Social Security benefit wouldn’t be increased by the cost-of-living adjustments that are given to those who are receiving Social Security benefits. On the other hand, you wouldn’t be subject to the benefit reduction that is imposed on those who apply for a Social Security benefit before reaching their full Social Security retirement age.
