Q. I served 37 months of active duty in the Army from October ’74 to November ’77 and another seven years active duty in the Coast Guard from ’80 to ’87. All together I have over 10 years of active duty. Is there any chance that I can collect anything from the U.S. government? I’m 63 years old at this point.

Q. My husband is deceased and left me with a survivor annuity. He was a Civil Service Retirement System employee with 42-plus years. I retired at 52 with my own FERS service. When I turned 62 they discontinued my FERS Annuity Supplement. I am planning on starting my Social Security soon. Will I continue to receive his CSRS survivor annuity and my own FERS annuity along with my Social Security? I was told by a friend that I could not have all three. Is this true?

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.

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