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Frequently Asked Questions Insurance

What if I am covered under CSRS?

You are generally better off with premium conversion. Your tax savings are slightly less, since you don't pay Social Security taxes. However, a reduction in Social Security benefits is not an issue for you since Social Security is not a component of your Civil Service Retirement. Even if you have Social Security coverage as a result of a non-Federal job, premium conversion would not change your Social Security benefit.

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