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40 Soc. Sec. Bull. 3 (1977)
Federal Civil-Service Annuitants and Social Security, December 1975

handle is hein.journals/ssbul40 and id is 805 raw text is: Federal Civil-Service Annuitants and Social
Security, December 1975

This article examines personal and work-related
characteristics of a sample of the nearly 1 millon
Federal ivil-service retirees who were receiv-
ing annuities based on their own wage records
as of December 31, 1975. Employment patterns and
subsequent annuities in civil-service careers have
been related to corresponding experience in jobs
covered under the old-age, survivors, disability,
and health insurance (OASDHI) program. With
some exceptions, the review uncovered patterns
generally similar to those found in a study of 1967
annuitants. About 2 out of 5 annuitants were en-
titled to OASDHI cash benefits in 1975. Most of
these dual beneficiaries received benefit, on the
basis of their own OASDHI-covered earnings, but
11 percent were entitled as dependents or survivors
of other workers. About two-thirds of the annul-
fants not currently receiving benefits had some
OASDHI-covered employment during their work
careers. In general, those with the shortest civil-
service careers and lowest annuities were most
likely to be entitled to OASDHI cash benefits.
main source of income support during retire-
ment is their benefit under the old-age, survivors,
disability, and health insurance (OASDHI) pro-
gram. The majority of persons not covered under
the social security system are employees of Fed-
eral, State, or local governments that have their
own retirement programs. Most employees of
the Federal Government are in this category, as
well as up to one-third of all State and local
government workers. Most State and local gov-
ernment workers covered under plans of their
employers are also covered under the OASDHI
Recently, concern has been expressed about
problems arising from a lack of integration be-
tween various retirement programs. Some work-
ers, for example, may       work    for a   time in
OAS)HI-covered work and at another time in
noncovered government employment. Eventually,
upon reaching retirement age, they may discover
Division of Retirement and Survivors Studies, Office
of Research and Statistics, Social Security Administra-

that they are not eligible for a pension under any
system. This difficulty could result from having
been employed a shorter period than required for
pension eligibility under a particular system. In
addition, workers who move between covered
and noncovered employment under the OASDHI
program may lose significant protection for them-
selves and their families in the event of dis-
ability or death.
Another area of concern has been the receipt
by the same worker of benefits from       both
OASDHI and a government retirement program.
In particular, as the most recent report of the
Advisory Council on Social Security pointed out,
some Federal civil-service annuitants also receive
OASDHI benefits as dependents of other workers,
and others earn just barely enough quarters of
coverage to qualify for the minimum OASDHI
benefit (a so-called windfall benefit)., This
study examines issues presented by the Advisory
Council report. Primarily, it consists of an
updating of information about Federal annui-
tants obtained by the Social Security Administra-
tion as of June 1967.'
Limited examination is also made here of the
benefits available to civil-service annuitants as
dependents under the OASDHI program. About
5 percent of all annuitants in 1975 were in this
category. The earlier study did not include such
annuitants. Comparisons of beneficiary status
between the two studies are therefore not as
direct as they would have been if this group had
been omitted from the current data.
As of December 31, 1975, 978,180 retired em-
ployees (not including survivors) were receiving
'Advisory Council on Social Security, Report of the
Quadrennial Advisory Council on Social Security, Com-
nittee on Ways and Means, U.S. House of Representa-
tives (94th Cong., Ist sess.), 1975.
'See Elizabeth M. Heidbreder, Federal Civil-Service
Annuitants and Social Security, Social Security But-
letin, July 1969, pages 20-38.


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