Deferred retirement


Q. If I have 20 years of federal service but choose to leave at age 48  to work in the private sector, will I be eligible to receive my retirement at age 50 or will it be deferred until my minimum retirement age?

A. You won’t be eligible for a deferred retirement until you reach your minimum retirement age. FYI: Deferred retirees aren’t eligible for the special retirement supplement nor are they able to re-enroll in the Federal Employees Health Benefits or Federal Employees’ Group Life Insurance programs.


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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