Excepted service retirement


Q. I have 27 years with the government. At 23 years, I took a job with excepted service and it was not explained to me that they never offer early retirements. Is there any possibility of getting a retirement under FERS with excepted service at less than the full retirement number of years and age?

A. You didn’t mention how old you are. If you have reached your minimum retirement age, you could retire under the MRA+10 provision. However, your annuity would be reduced by 5 percent for every year you were under 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 fedexperts@federaltimes.com.


  1. If I have 12 years with the competitive service and approximately 2.5 years from MRA plus 10. If I move to excepted service, what happens to my retirement benefits if the excepted service position goes away or I no longer employed before my MRA. Also what are the benefits of moving to excepted service or staying with competitive service. Is it possible for an agency to post a job for excepted service when they have Identical positions with the employees as competitive service.

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