MRA and special retirement supplement


Q. I have a question about MRA+10 retirement. I am a FERS employee, age 58 with 26 years of service. Can I retire now on an unreduced annuity and also collect the special retirement supplement until I reach age 62? Or do I have to deduct 5 percent for each year I am under the age of 62? Or is the 5 percent deducted from age 60 because I have at least 25 years in? In any case, the ability to collect the supplement would be key for me.

A. If you retire at your MRA with fewer than 30 years of service, your annuity will be reduced by 5 percent for every year you are under age 62.

You can reduce or eliminate the age penalty by postponing the receipt of your annuity. However, regardless of whether you immediately begin receiving your annuity or postpone it, you won’t be eligible to receive the special retirement supplement. No one who retires under the MRA+10 provision is entitled to it.


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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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