{"id":28197,"date":"2024-01-23T19:55:17","date_gmt":"2024-01-23T19:55:17","guid":{"rendered":"https:\/\/one.sightlinemg.com\/federaltimes\/uncategorized\/2024\/01\/23\/how-much-will-my-csrs-pension-affect-my-social-security-benefit\/"},"modified":"2026-08-08T05:06:21","modified_gmt":"2026-08-08T05:06:21","slug":"how-much-will-my-csrs-pension-affect-my-social-security-benefit","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/federaltimes\/your-career\/2024\/01\/23\/how-much-will-my-csrs-pension-affect-my-social-security-benefit\/","title":{"rendered":"How much will my CSRS pension affect my Social Security benefit?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">I am a postal retiree under the CSRS retirement system.&nbsp; I retired from the Postal Service in 2018 and my CSRS annuity pays me $8,670 per month.&nbsp; Of course, with CSRS, I didn\u2019t pay into Social Security.&nbsp; However, prior to my postal career, I worked 6 years in the private sector and have worked a little over 3 years in the private sector after I retired from the Postal Service.&nbsp; I currently have 39 credits in the Social Security system and will soon have the minimum 40 credits accrued in Social Security as I am still working in the private sector.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">My question is, how much will my CSRS pension affect my Social Security benefit when I am eligible for Social Security?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Reg\u2019s Response<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The amount you receive will be reduced because you\u2019re receiving an annuity from CSRS, a retirement system where you didn\u2019t pay Social Security taxes.The law making that reduction happen is called the Windfall Elimination Provision. You can read all about it and see what effect it will have on your Social Security benefit by going to&nbsp;<a href=\"https:\/\/www.ssa.gov\/pubs\/EN-05-10045.pdf\">https:\/\/www.ssa.gov\/pubs\/EN-05-10045.pdf<\/a>.<\/p>\n\n\n\t<aside class=\"smg-interstitial-link wp-block-smg-interstitial-link\">\n\t\t<a href=\"https:\/\/one.sightlinemg.com\/federaltimes\/fedlife\/retirement\/2022\/12\/01\/how-does-windfall-elimination-provision-work\/\" class=\"smg-interstitial-link__inner\">\n\t\t\t\t\t\t\t<div class=\"smg-interstitial-link__media\">\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/ask_the_expert.jpg.jpg?w=300\" class=\"smg-interstitial-link__image wp-post-image\" alt=\"\" \/>\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"smg-interstitial-link__content\">\n\t\t\t\t<span class=\"smg-interstitial-link__kicker\">Related<\/span>\n\t\t\t\t<h3 class=\"smg-interstitial-link__title\">How does Windfall Elimination Provision work?<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"smg-interstitial-link__excerpt\">Reg Jones is the resident expert on retirement and the federal government at Federal Times.<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/a>\n\t<\/aside>\n\t\n\n\n<p class=\"wp-block-paragraph\">Got a question for the Federal Times expert? Send inquiries to: <a href=\"mailto:fedexperts@federaltimes.com\">fedexperts@federaltimes.com<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><i>Reg Jones, a charter member of the senior executive service, is the resident expert on retirement and the federal government at Federal Times. From 1979 until 1995, he served as an assistant director of the U.S. Office of Personnel Management handling recruiting and examining, white and blue collar pay, retirement, insurance and other issues. Opinions expressed are his own.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The amount of the reduction depends on your years of Social Security-covered service.<\/p>\n","protected":false},"author":7,"featured_media":73497,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":25,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":[]},"categories":[11,56,31,59,25],"tags":[],"coauthors":[3315],"class_list":["post-28197","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fedlife","category-financial-planning","category-home","category-retirement","category-your-career"],"acf":{"subheadline":"","legacy_arc_id":"TBV2D37Z7RFMNFCG5KNFCAUR5U","arc_canonical_url":"\/your-career\/2024\/01\/23\/how-much-will-my-csrs-pension-affect-my-social-security-benefit\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How much will my CSRS pension affect my Social Security benefit? - Federal Times<\/title>\n<meta name=\"description\" content=\"The amount of the reduction depends on your years of Social Security-covered service.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How much will my CSRS pension affect my Social Security benefit?\" \/>\n<meta property=\"og:description\" content=\"The amount of the reduction depends on your years of Social Security-covered service.\" \/>\n<meta property=\"og:url\" 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