Deferring/postponing retirement and special retirement supplement


Q. I have 28 years of service at 56½ years of age. My MRA is 56. If I defer/postpone my retirement, at what age can I collect without any penalties? Also, would I be eligible for the special retirement supplement at that time?

A. If you retired under the MRA+10 provision, you could postpone the receipt of your annuity to age 60 and avoid the age penalty. However, you wouldn’t be eligible for the special retirement supplement. Although you could resign from the government and apply for a deferred annuity at age 60, doing so wouldn’t gain you anything. But it would lose one very important thing. If you were enrolled in the Federal Employee Health Benefits or Federal Employees’ Group Life Insurance programs, you wouldn’t be able to re-enroll when your deferred annuity began. You would if you retired under the MRA+10 provision.


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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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