Retirement eligibility under MRA+10


Q. I am 54 years old and have been working for the U.S. Postal Service for 22 years as a city carrier. Am I eligible for retirement? What percentage of my pay will I be able to receive?

A. No, you aren’t eligible to retire now. However, you could resign from the government and apply for a deferred annuity under the MRA+10 provision. If you did, your annuity would be reduced by 5 percent for every year (5/12 percent per month) you were under age 60. Your annuity would be based on your high-3 and years of service as a FERS employee when you left. Note:If you did leave and apply for a deferred annuity, you wouldn’t be entitled to the special retirement supplement nor would you be allowed to reenroll in either the Federal Employees Health Benefits or the federal Employees’ Group Life Insurance programs.


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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


  1. Paul L. Pieper on

    I worked for the United States Postal Service from 1986 to 1999. I was in the FERS system. I took out my retirement when I left. I ended my service in 1999 to become a police officer in a city in Massachusetts. I was told that I could buy back my time , up to 10 years, and apply it to my current job in order to retire earlier. Is this true? And if so, how would I go about buying back these years of service.

    • Because this is a site for federal employee and retiree benefits, we can’t answeryour question. You’ll have to check with the jurisdiction in which you are currently employed.

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