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Megan C
Megan C, Certified Public Accountant (CPA)
Category: Social Security
Satisfied Customers: 15588
Experience:  Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level
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I am retiring CSRS. I do not qualify for Social Security. My

Resolved Question:

I am retiring CSRS. I do not qualify for Social Security. My spouse died 2 years ago and he
has Social Security will I get it or will it be affected by my CSRS pension?
Submitted: 2 years ago.
Category: Social Security
Expert:  Megan C replied 2 years ago.
Thank you for your question. I am sorry about your loss Once you are full retirement age you can work and collect social security without a benefit reduction.

Your survivors benefit will be reduced by 2/3 the amount of your csrs pension. If the benefit is less than 2/3 that amount then you won't receive a benefit

I suggest applying and seeing what happens. The worst case scenario is you won't receive anything.
Customer: replied 2 years ago.

I will be 66 at retirement next year. I will not be working, will my CSRS pension


affect or reduce the amount I get from my deceased spouses social security under the windfall elimination provisions which CSRS retirees are subject?


 

Customer: replied 2 years ago.
Relist: Incomplete answer.
How does windfall elimination affect the social security payment I will receive from my spouse's
account? Any reduction of the survivor benefits?
Expert:  Megan C replied 2 years ago.
You are not subject to the Windfall Elimination Provision for a spousal benefit, but you are subject to the Government Pension Offset provision. This will reduce your benefit by 2/3 the amount of your government pension.

For example, if you had a survivor's benefit of $1,000 and you had a CSRS pension of $1,000 you would reduce your survivor's benefit by $667 and you would get $333 for your social security payment instead of $1,000. I hope that makes sense.

If 2/3 your pension is more than your survivor's benefit then you will not receive a social security benefit.

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Megan C, Certified Public Accountant (CPA)
Category: Social Security
Satisfied Customers: 15588
Experience: Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level
Megan C and other Social Security Specialists are ready to help you
Expert:  Megan C replied 2 years ago.
Thank you for the positive rating. Please remember me the next time you have a financial question. Simply enter "MyVirtualCPA" in the subject of your question, and it will be routed directly to me. Thank you again for using JustAnswer

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Megan C
Megan C
Social Security Expert
15588 Satisfied Customers
Licensed CPA, CMA, CFE, CGMA M.Accy Also Teach Accounting courses at Master's Level