Deferred annuity


Q. I am a FERS-covered employee. I will have 20 years of creditable service at my minimum retirement age of 56. Can I take a deferred annuity at age 60 without any reduction? Or do I have to take it at age 62 since I’m considering the MRA+10 retirement option?

A. Because you’d be retiring under the MRA+10 provision, you’d have to wait until age 62 to receive an unreduced annuity.


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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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