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Retirement Information & Services

Social Security Administration (SSA)

Estimate of Your Social Security Benefit

You should ask your local Social Security Office for form SSA-7004-PC, Request for Earnings and Benefit Estimate Statement, or visit the Social Security Administration website.  If you submit this form, you will get a statement that provides information on your future eligibility for Social Security benefits and estimates of these benefits at specified dates.  These estimates do not reflect any reduction for the Government Pension Offset or the Windfall Elimination Provision (WEP).

Government Pension Offset

Some of an employee's spousal Social Security benefit may be offset if the employee has a government pension from work not covered by Social Security.  The offset does not apply to the employee's own Social Security benefit, only the benefit that comes from a spouse's employment.  If the Government Pension Offset applies, the spousal Social Security benefit will be reduced by two-thirds of any Federal pension based on employment not covered by Social Security.  Some employees are exempt from the Government Pension Offset.  They are employees who are automatically covered by the Federal Employees Retirement System (FERS), Civil Service Retirement System (CSRS) Offset, and those who elected to transfer to FERS before January 1, 1988, or during the belated transfer period which ended June 30, 1988.  Employees who were covered by CSRS and who elected FERS coverage after June 30, 1988, must have five years of Federal employment covered by Social Security to be exempt from the offset.

Windfall Elimination Provision

If you receive a Federal pension and are also eligible for Social Security benefits based on your own employment record, a different formula may be used to compute your Social Security benefit.  This formula will result in a lower benefit.   The Windfall Elimination Provision affects workers who reach age 62 or become disabled after 1985 and are first eligible after 1985 for a Federal pension.

The Windfall Elimination Provision does not apply if:

  • You were eligible to retire before January 1, 1986; or
  • You were first employed by the government after December 31, 1983; or,
  • You have 30 or more years of substantial earnings under Social Security.

Estimating the Amount of the Government Pension Offset and Windfall Elimination Provision Reduction

You should contact your local Social Security office to determine the effect of the Government Pension Offset and the Windfall Elimination Provision on your Social Security benefits.

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Civil Service Retirement System (CSRS) Service Subject to Offset Due to Social Security Eligibility

Federal employees hired or rehired on or after January 1, 1984, who are covered by both CSRS and Social Security at the same time are called CSRS Offset Employees. CSRS offset employment time is used to compute the annuity we pay you.  However, your CSRS annuity will be reduced when you become eligible for Social Security benefits.  The offset applies when the basic requirements for Social Security are met, generally at age 62, even if you do not apply for those benefits.  If you are not eligible for Social Security benefits at age 62, there is no offset unless you become eligible later.

The offset reduction is the lesser of the:

  • Difference between the SSA monthly benefit amounts with and without CSRS offset service, or
  • Product of the SSA monthly benefit amount with Federal earnings multiplied by a fraction where the numerator is the employee's total CSRS offset service rounded to the nearest whole number of years and the denominator is 40.
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Effect of Entitlement to Social Security Benefits on FERS Disability Benefits

If you are under age 62 and your annuity benefits were computed using either 60% or 40% of your "high-3" average salary, OPM will reduce your monthly annuity by all or a portion of your Social Security benefits.  While you are receiving an annuity computed using the 60% computation, OPM must reduce your monthly annuity by 100% of any Social Security disability benefit to which you are entitled.  While you are receiving an annuity computed using the 40% computation, your monthly annuity will be reduced by 60% of any Social Security disability benefit to which you are entitled. T his reduction only applies for months in which you are concurrently entitled to both FERS and Social Security benefits.

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Effect of Entitlement to Social Security Benefits on FERS Child Survivor Annuity Benefit

Receipt of Social Security benefits affects a child's entitlement to a FERS survivor benefit.  The total FERS benefits payable to all children are reduced by the total Social Security benefits payable to all children.  The remaining amount is divided by the total number of children payable under FERS. Each eligible child receives this amount.  If the Social Security benefits equal or exceed the FERS benefits, no FERS benefits are be paid. In many cases, the payments from Social Security will eliminate the FERS benefit altogether.

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