Borrowing quarters


Q: I retired in 2010 from the Defense Department with 40 years, four months and 13 days of service under CSRS. I”am 62 and have 23 Social Security quarters, so I need 17. My wife of 23 years is 59 and getting Social Security Disability. Could I borrow the remaining quarters from her?

A: No, you cannot. You’ll have to earn them yourself.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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