Retirement or resignation?


Q. I have reached my MRA+10, and I am considering retiring. Since I am 60, I would like to postpone receipt of my annuity until 62 to avoid the age reduction. I have been told by my servicing HR department, which is not in my agency, that I must resign my position.

I have read the FERS handbook and noted that it recommends one not resign since it could affect survivor benefits should I die before applying for the annuity. Also, I read that the HR department must fill out the SF 3100 and add a remark “Appears to be eligible for immediate MRA+10 retirement annuity.” Also, a remark should be added to indicate if the employee appears to be eligible to continue Federal Employees Health Benefits and Federal Employees’ Group Life Insurance coverage.

I would like to pick up my FEGLI when I begin my annuity at 62. My husband is a federal employee and pays for my FEHB and LTC insurance. The HR department seems unwilling to assist me and is just telling me to resign and submit the RI 92-19 60 days before the date I choose to receive the annuity. What is the correct way to separate from federal service in this instance? If it is retirement and not resignation, how does one separate without resigning? Do you have any suggestions on how to get the HR department to assist?

A. Your HR is correct. To see the rules. go to


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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