Retirement date


Q. For a FERS employee who is age 60 and has 28 years of service, are there any disadvantages to retiring midmonth instead of at the end of the month? Using December as an example, would leaving midmonth or at the end of the month both mean an effective retirement date of Jan. 1, so the first retirement check would be Feb. 1?

A. Your retirement would be effective on the day you retired. However, as you noted, you wouldn’t be on the annuity roll until Jan. 1 and your first annuity payment wouldn’t be due until Feb. 1.




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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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