Deferred retirement


Q. I was employed in a law enforcement position under CSRS for 25 years, under 6c retirement formula. My service computation date was July 7, 1975, I resigned my position on Sept. 28, 2000. I needed to be 50 years old to be eligible to retire, but I left when I was 47.

On Aug. 8, I will be 60 years old. Can I apply for a deferred retirement now or do I have to wait to apply until I am 62 years old on Aug. 8, 2015?

I called the Office of Personnel Management and am getting conflicting information. One time, they say yes, that at age 60, I can apply. Then I call again and they say no, I have to wait until 62. I told them both times I was under CSRS, law enforcement formula and not FERS.

A. The correct answer was the second one you got. Because you were covered by CSRS, you aren’t eligible for a deferred annuity until age 62. Had you been a regular FERS employee with at least 20 years of service, the law would have allowed you to receive a deferred annuity at age 60. If you were a FERS-covered law enforcement officer with at least 20 years of service, you would have been able to begin your deferred retirement at your minimum retirement age.


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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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