Human Resources and Security Specialists should use this tool to determine the correct investigation level for any covered position within the U.S. Federal Government.
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Information on OWCP programs and how they affect Federal Employees and Civil Service Retirement Systems Benefits.
Information on how SSA programs affect Federal retirement benefits (SSA Offset, Windfall Elimination Act and more).
Information on crediting and waiving your Military Retired Pay Benefits.
Information on Medicare Premuims.
Information about the Thrift Savings Plan.
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).
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.
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 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.
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:
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.
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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Generally, you cannot receive benefits for total or partial disability from the Office of Workers’ Compensation (OWCP) and CSRS or FERS annuity payments at the same time. You must decide which benefit is most advantageous and elect to receive that benefit. If you decide to receive worker’s compensation benefits, payments from OPM will be suspended. If your worker’s compensation benefit stops, you can ask us to pay your CSRS or FERS annuity. You may receive concurrent payment of FERS annuity and OWCP benefits for the same period of time only if:
The approval of a claim for benefits by the Office of Workers’ Compensation Programs (OWCP), U.S. Department of Labor for a work-related injury or illness, does not automatically entitle an employee to a FERS or CSRS disability retirement. A claim for FERS or CSRS disability retirement must also be filed with the Office of Personnel Management. If you are approved for disability retirement and elect to provide survivor protection, you will protect the rights of your eligible survivors to receive annuity benefits after your death. In addition, this will protect your own annuity rights in the event you lose entitlement to benefits from OWCP. Your application for FERS/CSRS disability retirement must be received by OPM within one year from the date of your separation by your agency.
Contact Us to tell us if you are awarded worker’s compensation benefits and see if you need to make an election between benefits.
Contact the Office of Workers’ Compensation Programs (OWCP) for additional information about workers’ compensation benefits.
You cannot receive credit for any military service in your CSRS/FERS retirement computation, if you are receiving military retired pay, unless you were awarded the retired pay:
However, you can elect to waive the retired pay and have the military service added to your civilian service in computing your CSRS/FERS annuity.
If you want to waive your military retired pay to receive credit for military service in the computation of your FERS or CSRS benefit, you should write the Retired Pay Operations Center at least 60 days before your planned retirement. Send your waiver to:
Defense Finance and Accounting Service U.S. Military Retirement Pay P.O. Box 7130 London, KY 40742-7130
You can fax your request to 1-800-469-6559.
Suggested wording for your request is as follows:
"I (Full Name and Military Serial Number) hereby waive my military retired pay for Civil Service Retirement or Federal Employees Retirement System purposes effective (The day before your annuity begins). I hereby authorize the U.S. Office of Personnel management to withhold from my (CSRS or FERS) annuity any amount of military retired pay granted beyond the effective date of this waiver due to any delay in receiving or processing this request."