Retirement eligibility


Q. I retired from the Marine Corps (active duty military) in 2004 after 22 years of honorable and faithful service. I have been with the civilian federal government side for six years now as a FERS employee. I am 49 years old with a total of 28 years of government service. When and at what age would I be eligible for retirement?

A. Unless you make a deposit for those 22 years of active-duty service and waive your military retired pay, you won’t get any credit for that time. As it stands, you have only six years of creditable service toward retirement from your civilian job. Therefore, based on your current age of 49, the earliest that you would be able to retire is when you reach age 62. Any employee who is age 62 can retire on an immediate annuity with as few as five years of service.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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