How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask PDtax Your Own Question
PDtax, CPA firm owner
Category: Social Security
Satisfied Customers: 4559
Experience:  35 years tax and professional advice in all matters money
Type Your Social Security Question Here...
PDtax is online now
A new question is answered every 9 seconds

I retired with a Civil Service Retirement from Tennessee Valley

This answer was rated:

I retired with a Civil Service Retirement from Tennessee Valley Authority (a power company). When I applied for my Social Security I was told I was double dipping and my check would be cut by 60%.
I have talked to many people who have Civil Service and Social Security retirement checks and their SS check was not cut any.
Can my case be reviewed and If there was a mistake, be corrected?


PDtax :

Welcome to the site. I'm PDtax, and will be helping you today.

PDtax :

to Q & A...

Sorry to hear about your offset problem. There are a number of factors used in making the offset decision, and you may still have facts on your side. It is normally applied against widow's or survivor benefits (if you are claiming on your spouse's earnings history). You did not state this in your question, but this may account for the offset application to you and not to people you know.

You will be able to make your argument at SSA appeals. is the SSA appeals brochure for review. is the SSA offset explanation page. The offset is applied to widow's or widower's benefits to avoid double dipping. The offset will apply to you, but not to others who have both TVA and their own SSA earnings/benefits to draw on. The offset is 2/3 of your government pension.

If this is instead a benefit reduction due to the Windfall Elimination Provision, the calculation of the offset due to work not covered by social Security is more complicated, and is based on your work history, which again could explain why you may be subject to WEP and others you know are not. is the link to the SSa review of WEP, including calculation of the offset (there is a chart that shows a 24 year service history equates to exactly a 60% reduction).

There are some exceptions to the WEP rules, also listed on that sheet. If any exceptions apply to you, the appeals process mentioned earlier will still apply.

Thanks for asking at Just Answer. Positive feedback closes out your question and tells site management your opinion of my answer. I'm PDtax.

PDtax and other Social Security Specialists are ready to help you