Impact of Government Pensions on Social Security

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By on April 1, 2015 in Q&A with 0 Comments

Q: I retired from the federal government (CSRS) with 26 years of service and receiving my annuity. I then went to work for a municipality that is covered under CalPERS (a California State Pension program). When I retire from this agency I will receive an annuity from CalPERS. My agency also participates in Social Security and in addition pays a monthly offset of $133.00 on my behalf. I am trying to determine how or if I will be affected by any offset regarding my Social Security benefit. Any advice would be greatly appreciated.

A: Your state pension will not affect your Social Security, but your CSRS pension does. Your Social Security will be reduced by the Windfall Elimination Provision. If you are married the Government Pension Offset will reduce (probably eliminate) anything to which you are entitled as a spouse or survivor.

Agencies can request to have John Grobe, or another of Federal Career Experts' qualified instructors, deliver a retirement or transition seminar to their employees. FCE instructors are not financial advisers and will not sell or recommend financial products to class participants. Agency Benefits Officers can contact John Grobe at [email protected] to discuss schedules and costs.

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About the Author

John Grobe is President of Federal Career Experts, a consulting firm that specializes in federal retirement and career transition issues. He is also affiliated with TSP Safety Net. John retired from federal service after 25 years of progressively more responsible human resources positions. He is the author of Understanding the Federal Retirement Systems and Career Transition: A Guide for Federal Employees, both published by the Federal Management Institute. Federal Career Experts provides pre-retirement seminars for a wide variety of federal agencies.