Q. I retired from the Navy in 2006 after 20 years of military service. I am employed as a civilian mariner in Military Sealift Command as a GS-11. After I reach age 56, can I retire and get my retirement from the federal government and still received my military retirement? I was born in 1965 and will have 13 years of service when I reach age 56.
A. The earliest you could retire would be at age 56 and two months, your minimum retirement age. Because you’d be retiring under the MRA+10 provision, your annuity would be reduced by 5 percent for every year (5/12 of 1 percent per month) that you were under age 62. You could reduce or eliminate that penalty by retiring and deferring the receipt of your annuity until a later date.