Q. Is it true that retired military can be eligible for a U.S. Post Office retirement benefit with as little as 10 years of service?

A. Yes, however, you would need to meet the age and service requirements to retire with an immediate annuity. Here they are:
62 years old with 5 years of service;
60 with 20 years of service; or
Minimum retirement age with 30 years of service.

You could also retire at your minimum retirement age with as few as 10 years of service; however, your annuity would be reduced by 5 percent for every year you were under age 62.

Note: Minimum retirement ages range between 55 and 57, depending on your year of birth.

If you didn’t meet the age requirement when you had 10 years of service, you could resign from the government and apply for a deferred annuity at age 62.


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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