Q. I am 40 years old and have approximately 8.5 years of federal service. Do you think it is worthwhile to try to reach the 10 year mark, so that I would qualify for the MRA plus 10 benefit? I know there is a penalty exacted for doing so, but it seems those extra years of benefit would more than make up for it.
A. Even if you had 10 years of service, you couldn’t retire under the MRA+10 provision because you wouldn’t have reached your minimum retirement age, which is 57.