Q. I left government service in 1981 and withdrew my retirement funds. I then re-entered government in 1991 under CSRS and retired in 2009. I am paying back the withdrawn funds every month out of my annuity. How long will they take out these funds from my retirement? It will be 10 years in January 2019. I have been told by others that it will be 10 years, then the money will be put toward my retirement annuity.

Q. I paid 33 quarters into Social Security before retiring from my government job at the age of 55. I worked after to pay my 40 quarters needed to collect Social Security and I was still penalized over 70 percent of my monthly check and was told that had I paid my 40 quarters first before working for the government, that I would receive the full amount. I am very disappointed and feel my government owes myself and thousands of others a lot of back pay.

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