Deferring Social Security


Q. At my MRA of 56 (with more than 30 years of federal service), I will be able to receive my FERS annuity, access my TSP and receive the special retirement supplement. The supplement is payable until age 62, at which time I will become eligible for Social Security.

Must I enroll in Social Security at age 62 if I’ve taken the special retirement supplement up until then? There are financial advantages to deferring Social Security. I understand the annuity will stop once I reach 62, but can I defer my Social Security to when my benefit will be greater? (I understand my overall income will drop after age 62 until I choose to start Social Security.)

A. Yes, you can defer the receipt of your Social Security benefit.


About Author

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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