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Stephanie O Joy, Esq
Stephanie O Joy, Esq, Soc. Sec. Attorney
Category: Social Security
Satisfied Customers: 13281
Experience:  19+ years legal exp. - 10+ years owning/operating her own SSD Law practice.
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I worked under CSRS as well as SS. My SS was just a couple

Customer Question

I worked under CSRS as well as SS. My SS was just a couple of hundred dollars which is paying my Medicare patr B . My husband who worked under only SS for his entire life passed away. Why am not entitled to SS under his earnings?
Submitted: 1 year ago.
Category: Social Security
Expert:  Stephanie O Joy, Esq replied 1 year ago.

How much is your CSRS benefit that you worked for?

Customer: replied 1 year ago.
$2532 monthly
Expert:  Stephanie O Joy, Esq replied 1 year ago.

OK, generally, we are not entitled to an amount equal 2 person's federal pensions, be it federal government job pension or federal SS retirement benefit. So when we get our own federal pension, or our own SS benefit, we can't then add to it a 'survivor benefit' or a spousal benefit. Rather, there will be an offset to ensure we don't collect the amounts for 2 people (if we are only 1 person). The GPO, Government Pension Offset, to ensure this is the case, handles it like this. Take your 2/3 of your federal pension. Take that number and substract it from your potential survivor benefit - if there is a balance, you may be eligible for the balance of that survivor benefit. In your case, it is likely that your federal pension is substantial, no longer creating that "dependent" status where you are eligible for that Survivor benefit, which is generally for low income spouses or non-working spouses, once their provider spouses passes away.

Expert:  Stephanie O Joy, Esq replied 1 year ago.

I hope this helps! My goal is to provide you with excellent and accurate service – if you feel you have gotten anything less, please reply back, I am happy to address follow-up questions.

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Expert:  Stephanie O Joy, Esq replied 11 months ago.

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