Q. If someone resigns at their minimum retirement age of 56 with 24 years of credible Postal Service and postpones taking their annuity until right after their 60th birthday, is it true they fall under the age 60 with 20 years of service and will qualify for the FERS special retirement supplement and zero reduction of their FERS annuity? And are they entitled to reapply for Federal Employees Health Benefits?
A. Any one who retires under the MRA+10 provision (minimum retirement age with at least 10 years of service) can continue his FEHB coverage when his annuity begins. That can either be immediately or later, if he delays receiving that annuity to reduce or eliminate the 5 percent per year age penalty. However, no one who retires under the MRA+10 provision is entitled to receive the special retirement supplement, regardless of when his annuity begins.