Q. I’m a FERS employee who doesn’t have the age to retire but has 30 years with the U.S. Postal Service. Could I defer my retirement until I am 62?
A. You can resign from the government now and apply for a deferred retirement when you reach your minimum retirement age. (MRAs range between 55 and 57, depending on your year of birth.) Just be aware that when you do retire, you won’t be able to re-enroll in either the Federal Employees Health Benefits or Federal Employees’ Group Life Insurance programs.