Government Pension Offset


Q. I am a CSRS annuitant, having worked and paid into retirement for 34 years and retired now for six years, drawing pension. My wife is a paid-up Social Security contributor, who just turned 62. Aside from the question of when she would choose to initiate Social Security benefits, we have a question: We have been advised by a financial planner that the Government Pension Offset rules will reduce any Social Security benefits she can claim by two-thirds of our CSRS pension from my career. It seems there would be no reduction of her Social Security, but only of any Social Security survivor benefits I might seek. I am not likely to survive my spouse and am not concerned about anything I might claim, but am very concerned whether she can claim her Social Security benefits. Can you clarify the rules here?

A. The Government Pension Offset applies only to a person receiving a spouse’s benefit from Social Security while also receiving their own pension from work that was not covered by Social Security. It doesn’t sound like your wife will fit this description.


About Author

Mike Miles is a Certified Financial Planner licensee and principal adviser for Variplan LLC, an independent fiduciary in Vienna, Virginia. Email your financial questions to and view his blog at

Leave A Reply