Four retirement checks


Q. Suppose a person does 23 years of active duty (enlisted) regular Army service and then gets a federal job under FERS. If he retires after 10 years, can he still receive his military retirement pay, military disability check, Social Security and federal retirement checks?

A. Yes. However, because he’d be retiring under the MRA+10 provision (minimum retirement age with at least 10 and no more that 29 years of service), his FERS annuity would be reduced by 5 percent for every year he is younger than 62. He could, of course, retire and postpone the receipt of his annuity until later to reduce or eliminate the penalty. Note: Because he’d be retiring under the MRA+10 provision, he wouldn’t be entitled to the special retirement supplement, which approximates the amount of Social Security benefit he earned while a FERS employee.


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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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