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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 fedexperts@federaltimes.com.


  1. My husband has 37 years in the FERS retirement, He is planning to retire the end of Dec 2019 at the age of 57. I am a school teacher. I’m 7 years younger and will retire when I get to 55. As a retired school teacher, will the Windfall Elimination affect his retirement or mine? Does it apply to the spouse? He will get social security at age 62, when I turn 55. WIll I get any of his social security when I reach 62? Who has the best answers when he is ready to retire?

    • Your husband will be entitled to both his annuity and his earned Social Security benefit. Assuming that you worked under a retirement system where you didn’t pay Social Security taxes, any spousal Social Security benefit you’d be entitled to will be impacted by the government pension offset provision of law. To learn more about the GPO, go to https://www.ssa.gov/pubs/EN-05-10007.pdf.

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