The Edmond Sun

March 15, 2014

Social Security Q&A: Military retirement; IRA withdrawals

McClatchy-Tribune News Service
Special to The Sun

OKLA. CITY — Q: Will my military retirement affect my Social Security benefits?

A: No. You can get both Social Security benefits and military retirement. Generally, there is no offset of Social Security benefits because of your military retirement. You will get full benefits based on your earnings. The only way your Social Security benefit may be reduced is if you also receive a government pension based on a job in which you did not pay Social Security taxes. You can find more information in the publication Military Service and Social Security at Or call us at (800) 772-1213 or TTY (800) 325-0778.

Q: I’m retired and the only income I have is a monthly withdrawal from an Individual Retirement Account, or IRA. Are the IRA withdrawals considered “earnings?” Could they reduce my monthly Social Security benefits?

A: No. We count only the wages you earn from a job or your net profit if you’re self-employed. Non-work income such as pensions, annuities, investment income, interest, capital gains and other government benefits are not counted and will not affect your Social Security benefits. For more information, visit or call us toll-free at (800) 772-1213 or TTY (800) 325-0778.

This column was prepared by the Social Security Administration. For fast answers to specific Social Security questions, contact Social Security toll-free at 800-772-1213. For more information, visit