Retirement calculation


Q. My Social Security statement shows that at age 62, I will receive $1,500 per month. I have 22 years of FERS service. I’m receiving a $705-per-month supplement. Shouldn’t this be 0.055 times $1,500, which equals $825 per month?

A. The formula used to accurately calculate the special retirement supplement is complex and cannot be reduced to a simple formula, like the one you used. To see what actually goes into that calculation, go to


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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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