Retirement options


Q. I am 28 years old and trying to understand my retirement options. I currently have six years of civilian and military time combined. I would hit 30 years at 52. Under FERS would I be allowed to retire with full pension payments at that age, or do I have to wait until I am 55, 56 or 62? I have heard each of these answers. If I wait until I am 56 with 33 years, could I receive payments then or have to wait until I am 62?

A. You would first be eligible to retire on an immediate, unreduced pension payment when you reach your minimum retirement age. In your case that’s 57.


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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