MRA scenarios


Q. My month of birth is June 1963. I will have 12 years of federal service at age 56. What is my MRA? Is it 56 with a penalty and age 62 with 18 years of service no penalty?

A. Your minimum retirement age is 56. Since you are only 49, you’d have to wait until you reached your MRA to retire under the MRA+10 provision. Then your annuity would be reduced by 5 percent for every year you were younger than 62. You could, of course stick around until you had 20 years of service. By then you’d be at least 60 and could retire without penalty. You could do the same by waiting until you reached 62. Then you’d have around 25 years of service, not 18.


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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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