Penalized for early retirement?


Q. I am a postal worker under FERS, 56 years old with 29 years of service. I also have four years of military time, which I bought back. Will I get penalized when I retire?

A. Yes. Your annuity will be reduced by 5 percent for every year of service less than 30. That’s because you’ll be retiring under the MRA+10 provision. Note: No one who retires under that provision is eligible for the special retirement supplement.


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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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