Deferred retirement after termination


Q. I was terminated from my position due to unacceptable performance (not misconduct or delinquency). I was a FERS employee with 12 continuous years of service. Will I be eligible to collect a deferred retirement?

A. As long as you leave your contributions in the retirement fund, you can apply for a deferred annuity at age 62. That annuity will be based on your years and full months of service and your high-3 on the day you were terminated.


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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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