diff --git a/openedx/core/djangoapps/user_api/accounts/utils.py b/openedx/core/djangoapps/user_api/accounts/utils.py
index 343cddb93ddc..3da126a81704 100644
--- a/openedx/core/djangoapps/user_api/accounts/utils.py
+++ b/openedx/core/djangoapps/user_api/accounts/utils.py
@@ -263,7 +263,12 @@ def create_retirement_request_and_deactivate_account(user):
     user.set_unusable_password()
     user.save()
 
-    # TODO: Unlink social accounts & change password on each IDA.
+    # Do not unlink/redact social accounts during the initial retirement request.
+    # If the user cancels retirement during the 14-day cool-off period, they must
+    # still be able to authenticate using their existing social account. Redacting
+    # or deleting the social account at this stage would permanently break that
+    # login path. Therefore, social account unlinking/redaction should only occur
+    # when retirement is finalized after the cool-off period has elapsed.
     # Remove the activation keys sent by email to the user for account activation.
     Registration.objects.filter(user=user).delete()
 
diff --git a/openedx/core/djangoapps/user_authn/views/tests/test_reset_password.py b/openedx/core/djangoapps/user_authn/views/tests/test_reset_password.py
index 7388e51edddc..ac722f4b3b5b 100644
--- a/openedx/core/djangoapps/user_authn/views/tests/test_reset_password.py
+++ b/openedx/core/djangoapps/user_authn/views/tests/test_reset_password.py
@@ -35,7 +35,8 @@
 from openedx.core.djangoapps.oauth_dispatch.tests import factories as dot_factories
 from openedx.core.djangoapps.site_configuration import helpers as configuration_helpers
 from openedx.core.djangoapps.user_api.accounts import EMAIL_MAX_LENGTH, EMAIL_MIN_LENGTH
-from openedx.core.djangoapps.user_api.models import UserRetirementRequest
+from openedx.core.djangoapps.user_api.accounts.utils import create_retirement_request_and_deactivate_account
+from openedx.core.djangoapps.user_api.models import RetirementState, UserRetirementRequest
 from openedx.core.djangoapps.user_api.tests.test_views import UserAPITestCase
 from openedx.core.djangoapps.user_authn.views.password_reset import (
     PASSWORD_RESET_INITIATED,
@@ -79,6 +80,14 @@ def setUp(self):  # pylint: disable=arguments-differ
         self.user_bad_passwd.password = UNUSABLE_PASSWORD_PREFIX
         self.user_bad_passwd.save()
 
+        # Create PENDING retirement state for tests that need it
+        RetirementState.objects.create(
+            state_name='PENDING',
+            state_execution_order=1,
+            is_dead_end_state=False,
+            required=True,
+        )
+
     def setup_request_session_with_token(self, request):
         """
         Internal helper to setup request session and add token in session.
@@ -554,6 +563,47 @@ def test_password_reset_retired_user_fail(self):
         assert resp.status_code == 200
         assert not User.objects.get(pk=self.user.pk).is_active
 
+    def test_password_reset_retired_user_initiation_fail(self):
+        """
+        Tests that a retired user cannot initiate a password reset.
+        """
+        create_retirement_request_and_deactivate_account(self.user)
+        self.user.refresh_from_db()
+        assert not self.user.is_active
+        assert not self.user.has_usable_password()
+
+        reset_request = self.request_factory.post('/password_reset/', {'email': self.user.email})
+        reset_request.user = AnonymousUser()
+        response = password_reset(reset_request)
+
+        # Always return 200 OK to prevent user enumeration while leaving the password unchanged and unusable.
+        assert response.status_code == 200
+        response_data = json.loads(response.content.decode('utf-8'))
+        assert response_data['success'] is True
+        assert len(mail.outbox) == 0
+
+    def test_password_reset_retired_user_complete_fail(self):
+        """
+        Tests that a retired user cannot complete password reset even with a submitted form.
+        """
+        create_retirement_request_and_deactivate_account(self.user)
+        self.user.refresh_from_db()
+        assert not self.user.is_active
+        old_password_hash = self.user.password
+
+        request_params = {'new_password1': 'new_password1', 'new_password2': 'new_password1'}
+        confirm_request = self.request_factory.post(self.password_reset_confirm_url, data=request_params)
+        self.setup_request_session_with_token(confirm_request)
+        confirm_request.user = self.user
+
+        response = PasswordResetConfirmWrapper.as_view()(confirm_request, uidb36=self.uidb36, token=self.token)
+
+        # Always return 200 OK to prevent user enumeration while leaving the password unchanged and unusable.
+        assert response.status_code == 200
+        self.user.refresh_from_db()
+        assert not self.user.has_usable_password()
+        assert self.user.password == old_password_hash
+
     def test_password_reset_normalize_password(self):
         # pylint: disable=anomalous-unicode-escape-in-string
         """