MRA+10 and disability retirement


Q. Can I retire at 57? I’ve been a nurse aide in long-term care for 20 years. My back and body can’t take it any more.

A. You could retire now . However, your annuity would be reduced by 5 percent for every year you are under age 60. Alternatively, you could apply for disability retirement. If approved, your annuity would be calculated under a different formula, and there would be no reduction in that annuity.

Note: If you apply for disability retirement, you would also have to apply for Social Security disability benefits, otherwise your application would not be processed.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to


  1. I recently retired from the postal service with 31 yrs and MRA, and retired from the Army Reserve with 34 yrs and 100 % VA disability. I was also approved for SSDI. I am receiving my Reserve pension. I want to know if I will receive my full Postal FERS pension, full SSDI, full VA disability and Reserve pension. I have been notified that I have more than enough Social Security hours worked to receive SSDI. Will any of the annuities be reduced?

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