Can I retire with my combination of age and service?


Q. I have 14 years in the military and have worked 11 years for the U.S. Postal Service. I want to do a total of 25 years. I will be age 49. Can I retire at this age?

A. No, you can’t retire with that combination of age and service. The earliest you could retire is at your minimum retirement age, which is 57, and if you have at least 30 year of service. Note: Your active duty service would only count toward your years of civilian service if you make a deposit to get credit for that time. If you are receiving (or are entitled to)  military retired pay, you’d also have to waive that pay..


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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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