Law enforcement retirement and benefits


Q. I will have 20 years of 6c covered law enforcement officer service at age 48. Can I retire then? Maybe if I don’t draw benefits until I’ve hit the MRA of 50? If this is possible, how will it affect my health benefits?

A. No, you can’t retire at 48. To retire on an immediate annuity and continue your health benefits coverage in retirement, you will have to work to age 50, in either a covered or noncovered position.

Alternatively, you could resign from the government and apply for an annuity at your minimum retirement age, which would be 56. However, you wouldn’t be able to re-enroll in the Federal Employees Health Benefits plan.


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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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