Retire before reaching MRA?


Q. I plan on retiring Dec.1, 2014, with 35 years of service under FERS. I reach my minimum retirement age on Dec.23, 2014. Will I be penalized in any way by leaving service 22 days before my MRA? 

A. You bet you will! Your annuity would be reduced by 5 percent for every year you were under age 60. The solution? Change your plans.


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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