FERS retirement and Social Security


Q. I have 20 years of military time and get a monthly check. I also have worked 19 years for civil service under FERS. Will I still be able to get Social Security at age 62 without losing some portion of my retirement check?

A. Neither your military retired pay or FERS annuity would be reduced if you applied for a Social Security benefit at age 62. Note: If you are still employed when you reach age 62, you’d be subject to the Social Security earnings limit, which would reduce your Social Security benefit by $2 for every $3 you earn in 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 fedexperts@federaltimes.com.

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