Retirement eligibility


Q. I am 53 years old and have been actively working as a federal employee for 15 years. When would I be eligible to retire?

A. You’d be able to retire at age 56 under the MRA+10 provision (minimum retirement age + at least 10 but fewer than 30 years of service). However, your annuity would be reduced by 5 percent for every year you were under age 62. Your other option would be to retire on an unreduced annuity at age 60 with at least 20 years of service.


About Author

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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