Deferred retirement


Q: I have 31 years of credible federal service and am 51 years of age. I would like to take an early retirement. I have been told I can take a “deferred retirement” until 2010 (56 years of age) without penalty. However, I cannot locate any formal OPM documents that clearly state this is accurate. Your thoughts would be greatly appreciated.

A: The information you are looking for will be found at Assuming that you are covered by FERS, you would be able to receive a deferred retirement at your minimum retirement age. If you are covered by CSRS, you wouldn’t be eligible until age 62. Note: FERS deferred retirees aren’t eligible to receive the special retirement supplement. Neither FERS nor CSRS deferred retirees are eligible to re-enroll in the Federal Employees Health Benefits or Federal Employees’ Group Life Insurance Program.


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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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