Retirement at MRA with 30-plus years


Q. I am 53 with 30-plus years of excepted civil service with the National Guard. I believe my MRA is 56. At age 56, can I voluntarily retire with no penalties? Could I voluntarily retire early?

A. With at least 30 years of service, you can retire on an unreduced annuity when you reach your MRA. Unless your agency offers you an opportunity to retire before that, you’re stuck.


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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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