Deferred annuity


Q. Is there any benefit in waiting until age 62 if the previously separated annuitant is eligible for a deferred annuity at age 60 under the provision for 20 or more years of service and meets MRA+10 eligibility? Would the benefit at age 62 be higher than at age 60? If so, how much higher?

A. The amount of your benefit was locked in on the day you left, so the benefit would be the same, regardless of when you applied for 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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