Resignation and annuity


Q. I am 54 years old with a bit more than 20 years of FERS employment. I believe I will need to quit my job soon due to family medical care reasons. My agency is not offering any early-outs. If I quit before my minimum retirement age of 56, then wait until I am 60 to apply for my annuity, will I face any reduction in annuity due to either being less than 62, or because I resigned prior to my MRA?

A. Because you have at least 20 years of service, if you were to resign, you’d be eligible for a deferred annuity at age 60. That unreduced annuity would be based on your high-3 and years of service on the day you left government. You wouldn’t be eligible to receive the special retirement supplement, if you were enrolled in the Federal Employees Health Benefits plan or Federal Employees’ Group Life Insurance programs when your annuity begins.


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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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