Q. I retired with a minimum retirement age at 58, which incurred penalty percentage. At the age of 62, will I be given the full retirement benefit or will it always remain at the same penalized percentage?

A. Since you mention a percentage penalty, I have to conclude that you retired under the MRA+10 provision, which reduced your annuity by 5 percent for every year you were under age 62. If so, the amount of your annuity won’t change when you hit age 62 because the age penalty is permanent. However, for the first time, you will be eligible to receive the annual cost-of-living adjustments that are given to other eligible FERS annuitants.


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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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