No announcement yet.

Federal CSRS Spousal Benefits and Social Security Question

  • Filter
  • Time
  • Show
Clear All
new posts

  • Federal CSRS Spousal Benefits and Social Security Question

    Is anyone familiar with the CSRS system?  This question came up with a friend recently.

    Husband is retired under the CSRS system, elected survivor benefit plan, therefore his wife should be eligible to collect a survivor benefit at his death.  Wife has worked most of her life and has therefore earned her own social security benefit.  He payed no social security, thus she will receive no social security spousal benefit.  She is under the impression that once she collects this survivor benefit from CSRS, it will reduce (eliminate) her own social security benefit.  However, I am not sure if this is the case.

    I found one very, very brief article with no citations that suggests that reductions to social security based on CSRS service apply only to the CSRS retiree, not to the spouse.

    However, again, it is a very brief article, and has no citations to confirm.

    Where can I look for more information on this topic?  Everywhere I look seems to discuss reduction of a social security spousal benefit, not someone's own benefit.  Thanks!!!

  • #2
    as far as i know SS doesnt care what income you have otherwise. as long as you paid in, you will get X benefit. her husband will also get spousal benefits from her.

    her SS might be taxed differently based on total income, but thats about it.


    • #3
      The spousal pension from the government service (CSRS) would not affect her Social Security benefit.

      The Social Security Administration’s piece on the Government Pension Offset makes it clear: "If you receive a retirement or disability pension from a federal, state, or local government based on your own work [emphasis added] for which you didn’t pay Social Security taxes, we may reduce your Social Security spouses or widows or widowers benefits."

      There are other places within the SS handbook which states the Government Pension Offset only applies to the individual who has a non-covered pension from work they performed.

      I hope this answers your questions!


      • #4