Retirement eligibility


Q. I am a CSRS employee who will have 34 years of federal service this September, and I will be 54 years old in October. I know the best scenario is 35 years and age 55. But I have a personal family situation that has me thinking I may want to retire at the end of this year. How much of a penalty would it be for me?

A. You wouldn’t be eligible to retire. The earliest you could do that would be when you reach age 55.


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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