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Public Pension Offset Exemption
(Posted August 22, 2001)
Question 128: My husband retired at 62 with 39 years of rail credits. He is receiving an unreduced benefit. I will be 60 in 2003 and I believe I can receive a spouse's benefit without any reduction for my Federal Employee Retirement System (FERS) benefit. I switched from the old Civil Service Retirement System to FERS in 1987. Am I correct?
Answer: Yes, you have a special exemption because of the switch from Civil Service to FERS.
Normally a spouse's Tier 1 benefit is reduced by two-thirds of any public pension that's based on employment not covered by Railroad Retirement or Social Security. The reduction does not apply in your case.
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