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Yes. FERCCA does not give you a choice about your retirement plan if:
You also do not have a choice about your retirement coverage if:
You are in:
And you belong in:
Your coverage must be corrected to:
The earliest a person can start receiving Social Security retirement benefits is age 62. Your Social Security retirement benefit is reduced if you begin receiving them before your full retirement age.
Full retirement age has been age 65 for many years. However, beginning with people born in 1938 or later, that age will gradually increase until it reaches 67 for people born after 1959.
Year of Birth
Full Retirement Age
Yes, if you choose CSRS Offset coverage, you can get credit for that deposit service by taking an actuarial reduction. That's because the nature of the service changes from FERS to CSRS time when you elect CSRS Offset coverage. If you remain in FERS, you will have to pay a FERS deposit before you can get credit for the service time. You would not be eligible for the actuarial reduction.
Before you're asked to choose retirement plans, OPM will give you information about your benefits under both CSRS and FERS. They will tell you how much you owe under both. They will also explain how payment of a deposit and the actuarial reduction will affect your benefit.
Yes, if you were in the wrong retirement plan for at least 3 years of service AFTER December 31, 1986.
It does not matter that your agency may have already corrected the error or that you have retired or no longer work for the Government. As long as the error was in effect for at least 3 years of your Federal service after December 31, 1986, then you may benefit from FERCCA.
Except for the last 3 years, the money you erroneously paid into Social Security will remain to your credit in the Social Security fund. The Social Security Administration will include all but those last 3 years in determining your eligibility for, and the amount of, future benefits.
The amount you paid into Social Security for the last 3 years will be transferred to your account in the Civil Service Retirement fund. Your employing agency will pay all additional retirement contributions owed for your CSRS time. It may not go back and bill you for additional retirement deductions when it corrects the error.
No, you can't elect to change your FERS retirement coverage if you took a refund of all FERS retirement deductions.
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