Military retirement, FERS and Social Security


Q. I retired from the Navy Reserve with 39 years (9 active duty) and received a regular retirement check (over 60 years). I have a 60 percent service connected disability and receive VA disability pay. I am in FERS and will soon retire with 20 years service (bought back the 9 AD years). Will I be allowed to keep my military retirement pay, disability pay and FERS retirement pay? Also, will there be any impact to my full Social Security annuity when I turn 66 and 10 months?

A. Yes, you’ll be able to receive reserve retired pay and your FERS annuity. Your Social Security benefit will be based on what you earned, a formula, and the age at which you apply for that benefit. While I have no direct knowledge about how your disability pay will be treated, others in a similar situation have told me that they continued to receive it.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to


  1. Carolyn Rawlings on

    Hi Mr. Jones, I am a retired Army veteran and I retired 17 years FERS retirement. Can I receive supplemental social security benefits without affecting my full social security?

Leave A Reply