Q. I want to retire at age 60. How can I figure out what my Social Security will be from my estimated amount at age 62? I would think it would be better for the the Social Security Administration to give an estimate by going from how much you have actually earned up to that printed estimate date.

Q. I am retiring at the end of this year and will be a 30-year FERS annuitant. I expect to receive a FERS pension and Social Security in retirement. My wife only worked part-time and will receive a much smaller amount from Social Security. In the event of my death, what will my wife receive? Will she be able to get my FERS survivor benefit and my Social Security, since it is larger?

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.

Q. Does the U.S. Post Office have the option of not paying into Social Security? I’m asking because my father worked for 36 years for the Post Office and was denied Social Security with the explanation that he wasn’t covered by Social Security while a Postal Service employee. This makes no sense to me because I thought that coverage was automatic and mandatory. How is it at all possible for someone to not pay into Social Security when it’s taken out of your check? Is there an option of not paying into it? Is there something that my father, as…

Q. I worked for the U.S. Air Force CSRS for many years and retired with a disability due to a car accident. I do receive a CSRS pension and a small Social Security pension. My husband worked for USAF active duty and retired after 30 years, and he passed away last month. He was receiving Social Security and an AF retirement check. The Social Security Administration says I will not get any of his Social Security, only my own small pension, because I receive a CSRS pension. Is this right and, if so, why?

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