United States Postal Service
Retirement Guidance for USPS Employees
From FERS and CSRS Offset to TSP allocation and FEHB coordination, USPS employees face a unique retirement puzzle. This page covers the most common questions we hear.
Common Pain Points for USPS Employees
- Understanding how a CSRS Offset pension coordinates with Social Security
- Timing your retirement around MRA and 30 years of postal service
- Weighing TSP-stay vs. rollover vs. partial withdrawal strategies
- Coordinating FEHB with Medicare Part B at 65
- Understanding the WEP/GPO repeal and what it may restore
How We Help USPS Employees
CSRS Offset — Key Concepts
USPS employees hired before 1984 may be CSRS Offset. At 62, your CSRS pension is recalculated to account for the Social Security earned during your offset years.
Special Retirement Supplement
If you retire under MRA+30 or age 60+20, the FERS Special Retirement Supplement may bridge you to Social Security at 62. Your exact amount depends on your earnings record.
TSP Allocation in Drawdown
The allocation that built your TSP balance during your working years often differs from what a drawdown-oriented plan looks like. This is worth a review as retirement approaches.
Questions USPS Employees Ask
Does my CSRS Offset pension affect my Social Security?
Yes — at age 62, your CSRS pension is reduced by the amount of Social Security attributable to your offset years. The WEP repeal effective January 2024 eliminates the separate WEP reduction, but does not remove the CSRS Offset recalculation itself.
Can I keep FEHB in retirement?
Generally, yes — if you were enrolled in FEHB for the 5 years immediately preceding retirement. Coordination with Medicare Part A and B at 65 is a separate decision.
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