Five-year rule


Q. In the 2012 Federal Retirement Handbook, it states that if you meet the following age and service requirements — age 62 and five years — you are entitled to an immediate retirement benefit.

I will be 65 years old in May, so I already meet the first requirement. In June, I will have been a federal civilian employee for two years. However, I have 12.3 years of Air Force (1971 to 1984) service, and I plan to make the required deposit so the 12.3 years becomes part of my federal creditable service. Therefore, in June, I will have 14.3 years of creditable service. Does this mean I will be eligible to retire as soon as the Air Force years become part of my creditable service (since it’s more than five years)?

Said another way, is there a requirement that you need to be a federal civilian employee for five years before you are eligible to retire? I have not been able to find anything in FERS documents or government website that stipulates this requirement. All years are typically referred to as creditable service so that includes my Air Force time.

A. You have to have five years of actual FERS service to be eligible to retire. Active-duty service for which you have made a deposit can’t be used to meet that requirement.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

Leave A Reply