FERS Special Retirement Supplement Calculator


1) Enter your estimated age 62 benefit amount from your Social Security benefit statement:

2) Enter the number of full calendar years of FERS service you will have at retirement (OPM uses full calendar years; Breaks or partial years changes the computation):

3) SHOW ME !

Supplement estimate: $

A FERS Retiree Annuity Supplement, commonly called the special retirement supplement, may be paid in addition to your FERS annuity benefits. It represents what you would receive for your FERS service from the Social Security Administration and is calculated as if you were eligible to receive SSA benefits on the day you retired. It’s designed to bridge the gap between retirement and age 62, when a retiree first becomes eligible for Social Security.

The supplement is computed as if you were age 62 and fully insured for a Social Security benefit when the supplement begins. OPM first estimates what your full career Social Security benefit would be. Then it will calculate the amount of your civilian service under FERS and reduce the estimated full career Social Security benefit accordingly.

To get a rough estimate, divide the Social Security benefit estimate by 40 and multiply the result by the number of years you’ve been employed under FERS, rounded to the nearest full year. For example, if your estimated annual Social Security benefit at age 62 is $20,000 and you have 20 years of FERS service then your SRS will be $10,000 ($20,000/40 x 20).

This estimate probably will be a little low. The closer you are to retirement when you do the calculation, the more dependable it will be.

Retirees who are not eligible for the supplement include the following:

  • disability retirees;
  • anyone retiring under the MRA+10 provision (minimum retirement age with at least 10 years of service but fewer than 30; see table);
  • anyone who is eligible for a deferred annuity; and
  • anyone retiring at age 62 or later.

If you are eligible and your annuity has a Civil Service Retirement System component, you can still receive an annuity supplement. However, you must complete one full calendar year of service subject to FERS computation rules.

Learn more about the FERS Retiree Annuity Supplement.

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