Retirement eligibility


Q. I work for Congress and have just over 26 years of federal service under FERS. I will be turning 51 years old at the end of this year. Can I retire early and defer my FERS retirement without penalty and work another job as a contractor until I reach age 62, then completely retire and start receiving my benefits? Also, will I be eligible to continue to receive my Federal Employees Health Benefits if I retire at the end of this year?

A. Since you don’t have the age and service needed to retire, your questions are moot.


About Author

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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