MRA+10 and special retirement supplement


Q. My MRA is 56 (I was born in 1955). If I retire at age 59 with 20-plus years of service and defer my annuity until age 60, would I still receive the FERS Social Security annuity supplement until age 62, or do I actually have to wait until I reach age 60 to retire?

A. If you retired at age 59 with 20-plus years of service, you’d be retiring under the MRA+10 provision. No one who retires under that provision is eligible to receive the special retirement supplement, regardless of when his annuity begins.


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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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