Retire with 30 years in?


Q. I will have 30 years of service under the Federal Employees Retirement System in three years and am 46 old. If I were to retire at that time, would I have to take a penalty for not having the MRA+10?

A. You wouldn’t be eligible to retire. Even though you have 30 years of service, you’d still have to have reached your minimum retirement age to do that. The only exception would be if your agency was granted authority to offer early retirements and your position was one that was included. Then you could retire without an age penalty.


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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