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Frequently Asked Questions Retirement

I have always had CSRS coverage. Now my agency tells me that when I returned to work in 1988, I should have had both CSRS and Social Security coverage, as a CSRS Offset employee. I'm 62 now and ready to retire. How will this error affect my benefits?

When you retire, OPM will compute your CSRS Offset benefit under the same rules that apply to other CSRS retirees. But, because you are now eligible for Social Security benefits, OPM will reduce your benefit. This reduction is based on the value of the Social Security benefit you earned during your CSRS Offset service. In other words, instead of getting one check from OPM for all of your Federal service, some of the payment will come from the Social Security Administration.

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