Applying for retirement benefits


Q. I am a Navy veteran and also worked at the post office for 20 years. I left early for a career change but didn’t fill out any paperwork. Is it true that I can apply for retirement benefits when I reach the age of 55, which will be in September 2016?

A. Whether you were covered by CSRS or FERS, if you didn’t receive a refund of your retirement contributions when you left government, you’d be entitled to a deferred annuity at age 60.


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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. Elaine Lumsden on

    That is not correct. If this person was CSRS they are not eligible for deferred annuity until age 60. Under FERS they can take it as early as their MRA with the age penalty or defer until age 60 to avoid the age penalty.

  2. I have over 17 years active duty army and reserve duty and I have a letter saying I have a total of 28 years at 59 and working 22 years with the Air Force civilians naf system and I sent in my retirement package and it was returned saying resubmit at age 59 so I was in May of this year I sent in my package with no word as of yet.

    • Unfortunately, because the NAF personnel system falls outside the boundaries of this forum, we aren’t able to be of help.

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