6C coverage rules


Q. I am 42 with 21 years of 6C FERS retirement service.

I have been offered a non-6C position. If I take this position, can I still retire at 46 with 25 years’ total service and with all of the 6C retirements perks, such as the Social Security special retirement supplement? I have heard that if I leave 6C, I would then have to work until age 50 and might lose some of the 6C retirement benefits.

A.If you stay in a covered position, you can retire when you have 25 years of service. If you leave for a noncovered position, you can retire when you reach age 50. Regardless of when you retire, you would receive an enhanced benefit for those 20 years of covered service and the special retirement supplement.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.

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