Penalty for leaving early


Q. Are there penalties for leaving/retiring 22 months before I turn 55? I am CSRS with more than 30 years. Would I have health insurance? I’m thinking I would lose 4 percent of the full retirement.

A. You can’t retire before age 55 unless your agency offers you an opportunity to retire early. If it doesn’t, you’d be resigning from your position and not eligible for an annuity until you reach age 60. Further, you wouldn’t be able to re-enroll in the Federal Employees Health Benefits program when your annuity began.


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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