CSRS

OVERVIEW

What Is CSRS?

The Civil Service Retirement System (CSRS) is a legacy federal retirement system that covers employees hired before January 1, 1984, who did not transition to FERS.

Key Differences Between CSRS and FERS


CSRS provides a larger pension

CSRS employees typically do not receive Social Security

TSP participation is limited compared to FERS

Retirement income relies heavily on the pension

Is CSRS Still Active?


CSRS is closed to new employees, but many long-tenured federal employees remain covered under it.

Planning Considerations for CSRS Employees
CSRS retirees often focus on:

– Pension optimization
– Tax efficiency
– Supplemental income strategies
– Survivor benefit planning

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