No age deduction


Q: I am a FERS employee. My personnel record says I am eligible to retire in 2015. I have paid into retirement from my military time and in November 2015 I will have 26 years of service and be age 60. Will I get penalized for not going to age 62?

A: No. Because you have at least 20 years of creditable service and will retire at age 60, you won’t be subject to the age-based reduction in your annuity.


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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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