Excepted service retirement


Q. I have 27 years with the government. At 23 years, I took a job with excepted service and it was not explained to me that they never offer early retirements. Is there any possibility of getting a retirement under FERS with excepted service at less than the full retirement number of years and age?

A. You didn’t mention how old you are. If you have reached your minimum retirement age, you could retire under the MRA+10 provision. However, your annuity would be reduced by 5 percent for every year you were under age 60.


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  1. From the FERS website, MRA +10: “Annuity is reduced by 5% for each year the employee is under age 62.” That is how mine has been calculated by HR as well if I go without VERA at 57, and I’ve often seen you say 62. Unless it is different for excepted service?

    Enjoy your column!

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