Age and service


Q. I’m a FERS employee. I thought I had read somewhere that when you leave government early and apply for a deferred retirement, you have to wait until you are 62 to receive your annuity. Is that not true? Would you be eligible for the FERS supplement in this case?

A. In answer to your first question, a FERS employee who leaves government before being eligible to retire can apply for a deferred annuity when he reaches one of the following age and service combinations: 62 with five years of service; 60 with 20; at his minimum retirement age with 30; or at his MRA with at least 10 years of service. In the latter case, his annuity would be reduced by 5 percent for every year he was under age 62.

In answer to your second question, deferred retirees are never eligible for the special retirement supplement.


About Author

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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