Retirement options before MRA at 20 years in


Q. I entered federal service as a 1811 in 2001. I will reach 20 years of service in 2021 and would like to retire (at 20 years), but I will only be 46 years old. Can I retire with partial retirement and then, upon reaching age 52, receive full retirement benefits? OR am I required to have 20 years and minimum retirement age? I am confused as to when I can retire as an 1811.

A. When you have 20 years of covered service, you can move to a noncovered position and retire at age 50 or resign from the government and apply for a deferred annuity at your minimum retirement age. If you chose the latter, you wouldn’t be able to re-enroll in either the Federal Employees Health Benefits or the Federal Employees’ Group Life Insurance programs.


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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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