Excerpt: Most people would love to have a financial windfall. A chunk of unexpected money that appears out of nowhere. But there is another kind of windfall. It is a formula that can eat into the Social Security benefit anticipated by tens of thousands of long-time (CSRS) federal workers, school teachers and employees of some nonprofits. It also takes a huge chunk out of the Social Security benefits received each month by millions of retired federal and postal workers.

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