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Understanding CSRS offset
Government Executive: Last week's column about the best time to apply for Social Security prompted some comments and questions from employees who are covered under the Civil Service Retirement System Offset.
CSRS Offset is a version of CSRS established for employees who completed at least five years of civilian federal service creditable under CSRS, but who also have come under the Social Security system at some point. Individuals covered under CSRS Offset pay Social Security taxes and a reduced CSRS contribution. CSRS retirement and survivor benefits are offset by the value of the Offset service in their Social Security benefits.
