Submitting retirement packet early


Q. I have 33 years of service under FERS at age 55. I will not reach minimum retirement age until December. I would like to submit my retirement packet now. Is there a waiver I would qualify for to avoid the 5 percent-per-year penalty or that would waive the next 11 months to MRA?

A. Since you’d be retiring under the MRA+10 provision, there is no provision in law or regulation that would allow for a waiver of the 5 percent-per-year penalty. Because you have at least 20 years of service, the penalty would apply to age 60.


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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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