Postponed benefits


Q. I’m a FERS employee planning to retire under the MRA+10 provision with postponed benefits. I am over my mandatory retirement age with more than 15 years of creditable service. Earlier posts on the same subject state you would have to resign in order to postpone and lose all sick leave credits. However, I also read that you should retire under immediate retirement, postpone receiving the benefits so that sick leave will be counted toward your service computation, and never resign. Can I retire under the MRA+10 provision and then postpone receiving the benefits? What paperwork needs to completed?

A. Yes, you can. To apply for a postponed annuity, download and complete a copy of form RI 91-19, available at For more information about deferred and postponed annuities, go to


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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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