Social Security


Q. I was 56 years old with 33 years total government service and retired regular FERS then applied for Social Security Disability Insurance and was approved with back pay after the first 6 months of my retirement date. I only got $685 of my special retirement supplement because several of those years was active duty, which I repaid within the first 36 months of my career at the U.S. Postal Service. Now I am wondering what will happen to my annuity when I turn 62 and my SRS is eliminated.

A. At age 62, your special retirement supplement will end; however, you will then begin receiving a Social Security benefit based on all your Social Security covered employment, including your time on active duty. That benefit will be calculated as if you had worked to age 62 and increased by any FERS cost-of-living adjustments payable from the date on which you retired to age 62.


About Author

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


  1. I’m 53 years old and retired regular FERS last year. If I apply for SS Disability (and get approved), will my retirement pension be touched or amended at all? My income was always taxed and SS was withdrawn. Thanks!

    • Because you took regular retirement instead of disability retirement, you will be able to receive both your annuity and SSDI payments without a reduction.

  2. My husband retired (early regular retirement at age 53) in March, 2019 and he is receiving the FERS annuity supplement. He just received approval for social security disability benefits, effective November, 2019 with payments beginning May, 2020. Will he lose his FERS annuity supplement since he is now receiving disability from social security?

    • Receiving Social Security disability benefits will have no affect on either his FERS annuity or the special retirement supplement.

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