Benefit eligibility


Q: How many years of continuous service do I need with the postal service to be eligible to receive retirement benefits?

A: Years of creditable service alone won’t qualify you for anything. To be eligible for a retirement benefit you have to have the right combination of age and service. For CSRS they are: 55 with 30, 60 with 20 or 62 with 5. For FERS they are: your minimum retirement age with 30, 60 with 20 or 62 with 5. MRAs range from 55 to 57, depending on your birth year. Under FERS, you can also retire at your MRA with as few as 10 years of service. However, your annuity would be reduced by 5 percent for every year you were under age 62.


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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