Applying for Social Security


Q. I am 62 years old. I am employed with the federal government, and I plan on retiring in about two years. Can I apply for Social Security right now while still employed by the government?

A. Because you are under full Social Security retirement age, your benefit would be subject to the annual Social Security earnings limit. Therefore, your Social Security benefit would be reduced by $1 for every $2 you earned above that limit. In 2015 that limit is $15,720.


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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