Ask Terry Questions Complicated Social Security Benefit issue!

Complicated Social Security Benefit issue!

By Terry Savage on June 19, 2013 | Financial Planning / Retirement

I am going to be 66 in October and planning to take my social security beneit. At this time I am still working full time. My husband is 66 and is retired from the Post Office and is receiving his retirement income less a survivor benefit for me. His Social Security is offset and he will only be getting $200.00 a month starting in May of this year. My question is how will my receiving SS affect the survivor benefit if I should need it later. I asked this question in March but missed your
reponse as you had to research the answer. I checked with the SSA again and was told I would receive both with no deduction in either one. The person I talked to was very unclear and seemed to tell me this to get me off the phone. Can you help me to I can plann retirement? Thank you so much.

SAVAGE SAYS: I have gone to one of my Social Security “experts” who says this is way too complicated to give an answer without knowing ALL the specifics. But he did authorize me to tell you the following, taken from his response:

I have gathered the following:

  • Your husband is involved in the Civil Service Retirement System (CSRS) Offset program, in which he essentially purchases a survivor annuity with an



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