Annuity commencing date


Q. My wife, who left federal employment in 1999 after 13 years of service, will turn 62 on July 29. We thought her FERS deferred annuity should commence on or after her 62nd birthday as she wants to avoid any age reduction of the annuity amount. Instructions for completing Schedule C of her deferred annuity application, Form RI 92-19, state, “You can avoid the age reduction entirely if you choose the first day of the month that you reach age 62 as your annuity commencing date.”  Seems like following the instructions and selecting July 1 (28 days before reaching age 62) as the annuity commencing date could open the door to an age reduction. Should we be concerned?

A. No. The instructions are correct.


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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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