Not exempt from CSRS reduction


Q. Does the reduced annuity under age 55 apply to Civil Service Retirement System law enforcement officers who opt to take the Voluntary Early Retirement Authority and Voluntary Separation Incentive Payments (VERA/VISP)? Or is the CSRS law enforcement category exempt from this reduction?

A. Assuming that you aren’t talking about retiring as a CSRS law enforcement officer, the law enforcement category isn’t exempt. The 2 percent reduction for being under age 55 would apply. On the other hand, if you are talking about a CSRS law enforcement officer who retires under the special age and service criteria – age 50 with 20 years of service – then he wouldn’t be retiring early and the reduction for being under age 55 wouldn’t apply. Accepting a VSIP wouldn’t change the picture in either case.


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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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