Deferred annuity and SRS


Q. I am more than 58 years old and voluntarily resigning from my position with the Veterans Affairs Department. I have 20 years of creditable FERS service and plan to postpone the start of my annuity and my retirement until my 60th birthday. I plan to submit the Form 92-19 two months prior to my 60th birthday, which will be in October 2014. In the interim, I will be obtaining my health insurance through my spouse, but I have plans to regain our family health/life insurance (held less than five years) at the same time I start my annuity, which will be without age reduction because I have 20 years and will be 60 at that time. I am confused about my eligibility for the special retirement supplement between age 60 and 62. I do not think it will be retirement at MRA +10 at that time, but I may be wrong. Please explain what category my postponed annuity/retirement situation falls under.

A. Because you resigned from the government, you’ll be entitled to a deferred annuity at age 60. However, no one who retires on a deferred annuity is entitled to 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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