Social Security and federal and military retirement


Q. I’m 54 and have been working for the government for the past nine years. I’m planning on staying for 20 years but already spent 22 years in military and am receiving my monthly pension faithfully. If and when I’m done, do I receive a separate check or do they combine them as one, and do I still get my Social Security benefit at the proper age?

A. You will receive separate payments for you military and civilian service. When you apply for a Social Security benefit, you will receive that as a separate payment. In the last case, if you apply for that benefit before you reach your full Social Security retirement age, you’ll be subject to the Social Security earnings test.

Since you were born in 1958, your full retirement age is 67.


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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