Transitioning to part-time work before retirement


Q. I will be 53 years old have 20 years of FERS federal service next year. I have always worked full time and have been at the top of my paygrade and step for a number of years. I would like to retire early at 56. We have a growing family business that I would then transition to for income replacement and attempt to hold off taking my annuity until age 62. If I could find a half-time federal position at age 53, what would be the impact on my benefits if I went half time between age 53 and 56?

A. If you go part-time, it would have a negative impact on the amount of your annuity. To find out what that would be under different scenarios, go to and scroll to Part 55B2.


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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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