Creditable service


Q. I entered federal service Sept. 6, 1977, under CSRS. I transferred to FERS, effective Jan. 3, 1988. I resigned from federal service April 30, 2001. (I did not withdraw any of my retirement contributions.) I was born in 1952.

The FERS website states, “If you completed at least 10 years but less than 30 years of creditable service before you left federal service, your annuity will be reduced if it begins before age 62. The only exception to this is if you had at least 20 years of service and your annuity begins when you reach age 60.”

Does the “20 years of service” refer to service under FERS only? Or does it refer to combined service under CSRS and FERS? If it refers to combined service under CSRS and FERS, am I correct that there would be no age reduction for my annuity if I retire at age 60 (rather than at age 62)?

A. The quote refers to total service. So there wouldn’t be any reduction in your annuity if you applied for it 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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