FERS and Social Security


Q. I have been working under FERS. I plan to retire in 13 years at age 67. Before coming to work for the government, I worked in the private sector and paid into the Social Security system for over 30 years. Will I receive both a full FERS and a full Social Security benefit when I retire?

A. Yes. You’ll receive a FERS annuity based on your years of FERS-covered employment and, because you will have reached your full Social Security retirement age, a Social Security benefit based on all your Social Security-covered employment.


About Author

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. I am a 67 year-old letter carrier with an aplication for immediate retirement. I have medical issues that have kept me out of work since January. I have completed most of my Blue Book paperwork but I’m having trouble completing the sections involving my FERS and FEGLI. I don’t have the time for a formal counseling session as OPM said that they are backed up through December. Are there on-line seminars offered that would be similar or does the NALC offer help? I’ve been using my sick leave up to this point, but have about 4 months remaining to use. My doctor says that working as a letter carrier is no longer an option because of the physical requirements of the job. Do you have any suggestions going forward?

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