Q. I am a FERS employee. I am planning to do an immediate retirement (MRA +10). Date of birth: March 1952. Service computation date: February 1996. This gives me 17 years in FERS and well within the minimum retirement age. I would like to postpone the receipt of my annuity until my next birthday (62), eliminating the penalty. This should allow me to use all my sick leave for annuity computation. Is this possible?

A. Yes.


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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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