Social Security offset


Q: I know if a FERS employee retires before age 62, he would receive a Social Security offset payment under the same rules as if receiving Social Security. Under this rule, the maximum that could be earned without a payment reduction is a little more than $14,000. If I get a job that is not in the Social Security system, such as many teachers do, will the over-14K income rule still apply?

A: Yes, the limit will apply regardless of the source of the earnings from wages or self employment.


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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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