Social Security credits


Q. I am a CSRS employee who will retire at the end of 2014. I have 36 quarters of work covered under Social Security  before I started federal service and I am trying to decide whether or not to try to get four more quarters of coverage after I retire. I understand the WEP provision. I was told at a retirement seminar that Social Security quarters do not count if earned before the age of 22 or after the age of 62. Is this true?
A. Whoever told you that was an ignoramus. Social Security credits count without regard to the age at which they are earned. Earning four more quarters makes sense. Although the WEP will reduce the amount of Social Security benefit you receive, it won’t eliminate it.


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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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