Q. I’m a CSRS Offset retiree. If I don’t file for Social Security at age 62, my annuity will be offset (reduced) at the age of 62. It is my understanding that I can continue to work and not be subject to the Social Security income limitation, correct?

Q. I am 51 on Dec. 19, 2017. I have been with the government for 34 years. I have been offered Voluntary Separation Incentive Payment and Voluntary Early Retirement Authority. Can I take advantage of both? If I accept the VSIP and get the $25,000 buyout, can I keep my health insurance and benefits for life thru VERA? From my understanding, if I accept the VSIP, I will lose my health benefits in 18 months. Since I qualify for both VSIP and VERA, can I take both and get the buyout and keep the health benefits?

Q. I resigned from the Department of Veterans Affairs in 2015 to pursue a new career in the private sector, but am now unemployed. Being born with profound hearing loss – both ears – I just found out I should qualify for Social Security Disability Insurance. If approved, can I apply for FERS disability? I’m 53 with 28 years federal service.

Q. I have 20 years of service at 50 years of age. I am thinking about leaving the government. I plan to defer my retirement. I understand if I do this, I will lose my health and life benefits. I also understand I would not lose them if I wait until I am 56. My question is, if I return to the government when I am 57, and retire at 60, will I be eligible to receive full retirement benefits? That would give me 23 years of service at 60.

Q. I would like to know if I retire under FERS on December 29, 2017, and have 30 years and 11 months service and am 56 years old, will they calculate my supplement as having 30 years or 31 years? That would make a difference from 75 percent with 30 years and 77.5 percent with 31 of my Social Security at 62. Would I need to go an extra month to get the 77.5 percent? It says to the nearest whole number.

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