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Social Security vs. Civil Service Retirement System

My spouse and I are both retired. He receives Social Security and I receive my retirement benefit under the Civil Service Retirement System (CSRS).
After he is deceased, would I be eligible to receive a Survivor benefit from his Social Security and keep my CSRS check?


Status: Open    Dec 05, 2016 - 08:00 AM

Finance

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Expert Answers

Dec 05, 2016 - 02:13 PM

Without knowing the specific benefit amount of your CSRS check and your husband's Social Security check, I'm not able to give you an exact answer.

However, I can give you some information to help you investigate further. Upon your husbands passing, you would continue to get your CSRS check, and be eligible for a Survivor benefit from Social Security (which is equal to your husband's check). However, Social Security has a provision known as government pension offset, for people who also receive a CSRS pension. At a maximum, up to 2/3 of your CSRS benefit amount may be deducted from your husband's Social Security benefit. Also if your CSRS pension has a COLA provision, that is also factored in. Look online for more information about Social Security GPO (Goverment Pension Offset) provision, or reach out to a Social Security expert in your area to help you determine exactly how much you would expect to receive. You might even try to call your local Social Security office for help.
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By erodmack on Dec 05, 2016 - 04:24 PM | Like (0)  |  Report

Thank you for the information.

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Voted Best Answer

Dec 05, 2016 - 02:13 PM

Without knowing the specific benefit amount of your CSRS check and your husband's Social Security check, I'm not able to give you an exact answer.

However, I can give you some information to help you investigate further. Upon your husbands passing, you would continue to get your CSRS check, and be eligible for a Survivor benefit from Social Security (which is equal to your husband's check). However, Social Security has a provision known as government pension offset, for people who also receive a CSRS pension. At a maximum, up to 2/3 of your CSRS benefit amount may be deducted from your husband's Social Security benefit. Also if your CSRS pension has a COLA provision, that is also factored in. Look online for more information about Social Security GPO (Goverment Pension Offset) provision, or reach out to a Social Security expert in your area to help you determine exactly how much you would expect to receive. You might even try to call your local Social Security office for help.
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By erodmack on Dec 05, 2016 - 04:24 PM | Like (0)  |  Report

Thank you for the information.

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