Q. I will be 62 this month. I am a federal retiree and receive approximately $3,200 gross for my monthly annuity. My Social Security statement says I would receive $1,221 per month. I was a civil service offset employee as I had previous civil service from 1971 to 1975. I returned to federal employment in January 1987 and retired in January 2014. Will I be able to collect the whole $1,221 in Social Security benefits, or will it be reduced by the GPO? I’m confused because I’m reading about federal pensions and no Social Security was paid. I therefore paid into my retirement pension and Social Security for 27 years. Can you please answer this for me?
A. While the government pension offset provision won’t apply in your case, the windfall elimination provision may. If you have fewer than 30 years of substantial earnings under Social Security, your Social Security benefit will be reduced. For more information about the WEP, go to https://ssa.gov/pubs/EN-05-10045.pdf.