Retiring at 30 years with FERS


Q. I am a FERS employee with 22 years of service. I will have 30 years of service in eight more years and will also be 50. Can I retire with 30 years of service and collect (i.e., request an early retirement package)? I’ve read the deferred retirement, but my understanding is I would not be able to receive a pension until my MRA, 57.

A. Unless you have reached your minimum retirement age, you can’t retire when you have 30 years of service. All you can do is resign from the government and apply for a deferred annuity at your MRA. The downside of that decision is this: You wouldn’t be able to re-enroll in either the FEHB or FEGLI programs when your annuity began. As for requesting an early retirement package, you can do that; however, your agency can consider it only if the agency have gotten approval to offer early retirement to its employees, and then only if the positions identified include yours.


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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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