Retirement money from three places


Q. I retired with 30 years of active-duty service and plan to retire at 62 with 14 years of civil service retirement. How will my retirement for each be affected, if at all, with respect to Social Security benefits? Will I receive social security at all? Thank you.

A. You’ll be able to receive you military retired pay, a FERS annuity based on your FERS service and a Social Security benefit. The Social Security benefit will be based on all your years of Social Security-covered 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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