Q. I am under FERS, working for the Postal Service. If I retire at age 59 and receive the special retirement supplement, will it affect my future Social Security benefit at age 62? Will not claiming any income and not paying into Social Security for three years lower my future benefit when I do collect at 62? Does the future benefit lock in when you begin collecting the supplement?
A. The special retirement supplement is paid out of the Civil Service Retirement and Disability Fund and will have no effect on your Social Security benefit.