Minimum retirement age


Q. I am in FERS, 58 years old, with 25 years in at the VA medical center. I read here, I think, that a Postal Service employee had 25 years in and you said he can retire with 30 years in. But you said if you were born between 1953 and 1964, you can go with 25 years in. Is this true?

A. No, twice over. I didn’t say that, and it isn’t true. Here are the age and service requirements for a FERS employee to retire: 62 with five years of service, 60 with 20, at the minimum retirement age with 30, and at the MRA with at least 10 but fewer than 30. However, anyone retiring under the MRA+10 provision will have his annuity reduced by 5 percent for every year he is under age 62 (60 if he has at least 20 years of service).

Minimum retirement ages range from 55 to 57 depending on an employee’s year of birth. The MRA for employees born between 1953 and 1964 is 56.


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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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