Q. I will retire on Sept. 30. Does the federal salary I earned the first nine months of this year count against the special retirement supplement? Or will only future earnings count towards the annual Social Security earnings limitation?

A. Because of what’s called “the first year rule,” in most cases your special retirement supplement won’t be affected by your earlier earning. To see how it would play out in your case, go to


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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