Age, service for federal retirement


Q. I am a retiree from the military after 20-plus years. As a civilian, I plan to work in the federal government. What is the federal government’s vested time? What is the early (minimum) retirement time — i.e., service time and age?

A. You would need to work for five year to be vested in the retirement system. The age and service requirements to retire are: 62 and five, 60 and 20, at your MRA (minimum retirement age) with 30 or at your MRA+10, but with a 5 percent reduction in your annuity for every year you were younger than age 62.

Note: If you wanted to, you could make a deposit to the civilian retirement system and get credit for your years of active-duty service in determining your years of civilian service and in your annuity computation; however, when you retired, you’d have to waive your military retired pay.


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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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