Q. I am 61 years old with 20 years of federal service. I am trying to figure out whether I retire now or closer to 62. My plan was to retire next year at the end of July, but I am interested in the supplement that is not granted until I am 62. I am not too happy at my job right now and am thinking about getting out a little earlier. What advice do you have?

Q. I retired from civil service in 1990, started drawing my Social Security in 1996 and have received it every month since. I don’t understand, however, why the offset is deducted from my benefits that are based on my own earnings. What I receive is not a spouse or widows benefit. I am confused, and have tried several times in the last 21 years to get an explanation and always got the same reply that I was subject to the offset. I appreciate any help you can give.

Q. I am a retired federal government employee since 2013. I paid into Social Security from 1966 through 1983 when the late President Ronald Reagan took all federal employees out of Social Security and placed us into Medicare. How do Medicare benefits help me? My time to apply is three months from April 2018. Will I be penalized due to receiving a very low Social Security check when I will be getting my Medicare card next year?

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