MRA+10 and FEHB


Q. If I worked as a federal employee for 10 years and left at 40 years of age, would I be able to apply for a MRA+10 annuity at 62 and keep access to my Federal Employees Health Benefits? This would assume that during those 10 years, I was enrolled in FEHB.

A. While you would be able to apply for a deferred annuity at age 62, you wouldn’t be able to re-enroll in the FEHB program. No one who applies for a deferred annuity can do that.


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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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