Q. How can an employee retire from the government with only 11.5 years of service?

A. There are two ways. First, anyone with at least 5 years of service can retire at age 62. Second, anyone with at least 10 years of service can retire at the minimum retirement age. (MRA’s range from 55 to 57, depending on the year of birth.) However, the annuity would be reduced by 5 percent (5/12 of 1 percent per month) that the retiree was under age 62.


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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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