Retirement eligibility


Q. I currently have 27 1/2 years of government service and am age of 46. Can I retire under FERS? If not, when am I eligible to fully retire?

A. You can’t retire now because you don’t yet have the right combination of age and service to do that. The earliest you’ll be able to retire is at your minimum retirement age, which is 57.


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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. They can only retire at this time if their agency is under early retirement authority and their position was eligible for early retirement. The other way is via discontinued service – if their position is being eliminated and their agency doesn’t have another job they are qualified for to offer them in the commuting area.

    This person appears to have over 25 years of credible federal civil service and is eligible to accept early retirement or discontinued service retirement should they be laid off.

    • At 488888 years old? I have no idea what the end of your question means. What I can tell you is this. If you have 13 years of actual service and make a deposit to get credit for your 13 years of active duty service, you could retire on an immediate, unreduced annuity at age 60. Or you could retire at your minimum retirement age; however your annuity would be reduced by 5 percent for every year you were under your MRA. MRAs range from 55 to 57, depending on your year of birth.

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