Retirement question


Q: I will be 57 in June with more than 25 years civil service. I was put in FERS even though I started civil service in Aug 1985 in Sigonella, Sicily. I was told I was never invested until I came to states in 1987. My question: If I retire in June, would I be responsible for the 5 percent deduction for MRA? I have asked several people and still do not understand.

A: Although you have reached your minimum retirement age (MRA), you have fewer than 30 years of service. If you were to retire before reaching 30 years of service, you’d be doing so under the MRA+10 provision. As a result, your annuity would be reduced by 5 percent for every year you were under age 62. Note: When you were first hired you were placed in an interim retirement system, CSRS and Social Security; however, because you had less than five years of CSRS service when FERS became effective on January 1, 1987, you were automatically placed in FERS and your prior service was converted to FERS service.


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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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