Effect of retirement on Social Security payments


Q. I am going to retire when I am 62, in roughly 2½ years. I will be receiving my FERS retirement, a small retirement from the state of North Carolina that is similar to FERS and my TSP annuity. Will any of these payments affect my Social Security benefit, which I plan on applying for at 62?

A. None of the other benefits will affect your FERS annuity or Social Security benefit unless the North Carolina benefit came from a retirement system where you didn’t pay Social Security taxes. If it did, and you had fewer than 30 years of substantial earnings under Social Security, that benefit would be subject to the windfall elimination provision.


About Author

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

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