Deferred annuity


Q. I am a 44-year-old FERS employee with the Federal Bureau of Prisons. I am a GL employee with a 20-year retirement. I just went over 16 years of service and I have already bought back my military time of 7½ years.  I realize the military time would be added to the “back end” of the retirement.

I am considering leaving my federal job before the minimum retirement age of 50 to pursue other career opportunities in the private sector. At what age would I be eligible to receive my FERS retirement?

A. Because your combined service adds up to at least 20 years, you would be eligible for a deferred annuity at age 60.


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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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