Retirement Benefits Institute
  • YOUR BENEFITS
    • FERS
      • Retirement Eligibility
      • Non-Deduction Service
      • Refunded Service
      • Military Service
      • Special Provisions
      • FERS Retirement Calculations
    • CSRS
      • Retirement Eligibility
      • Non-Deduction Service
      • Refunded Service
      • Military Service and Your Service History
      • Special Provisions
      • Voluntary Contribution Program
      • CSRS Retirement Calculations
    • SURVIVOR BENEFITS
      • Survivor Benefits While Working
      • Survivor Benefits in Retirement
    • FEGLI
      • FEGLI Prices Over Time
      • 5 Things FEGLI Should Do For You
    • SOCIAL SECURITY
      • Social Security Earnings Test
      • Will it be Taxable
      • CSRS and Social Security
      • Will Social Security be there for me?
    • THRIFT SAVINGS PLAN
      • Investment Options
      • Withdrawals
      • ROTH
      • Two Real Reasons to Think Roth
      • FAQs
    • FEHB
      • FEHB and Spousal Continuance
      • FEHB, Medicare, Taxes and New Self Plus One Enrollment
    • OTHER
      • Calculating Sick Leave
  • BLOG
  • RESOURCES
    • BOOKS
    • FERS CALCULATOR
    • INVESTMENT RISK TOLERANCE QUESTIONNAIRE
    • NAVIGATING YOUR FEDERAL RETIREMENT
    • RETIREMENT READINESS QUIZ
    • RETIREMENT BUDGET CALCULATOR
    • RETIREMENT APPLICATION CHECKLIST
    • VIDEOS
    • HELPFUL LINKS
    • GLOSSARY OF TERMS
    • ACRONYM LIST
  • EVENTS
  • GET SUPPORT

ss-cardsThe Social Security Administration gives you the option to start receiving retirement benefits as early as age sixty-two, or to delay them up to age seventy in order to receive higher benefits. The time at which you choose to start receiving benefits can have a major impact on your retirement income. You want to maximize not just your Social Security, but also your entire federal retirement benefits package. This can be complicated – you have to understand Social Security benefits and how taxation, retirement income, and other benefits interact with Social Security.

FERS employees need to be aware that their pension and TSP withdrawals have the potential to create an increased tax consequence on their Social Security benefit. Remember a sound financial plan consists of all income streams working together and not against one another. CSRS employees eligible for Social Security benefits should be mindful of the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) that will reduce their overall Social Security benefit.

Below are a series of videos providing additional information about Social Security and your federal retirement benefits.

To learn more about Social Security in retirement, see the below article.

Spousal Social Security and GPO

 

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Events Retirement Benefits Institute

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