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 under the MRA+10 provision. However, your annuity would be reduced by 5 percent for every year you are under age 62. 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.


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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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