Phased Retirement


Q. How does WEP work under Phased Retirement?

A. Just the way it always does. If the individual retires before age 62, his Social Security benefit is reduced if he has fewer than 30 years of substantial earnings under Social Security. If he retires at or after age 62, the reduction occurs when he retires.


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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