Eligibility
Retirement Categories and Eligibility
Optional Voluntary Retirement
This retirement category enables you to obtain immediate retirement annuity benefits. There are no special requirements other than your age and number of years of creditable service. Here are the age and years of service requirements for this retirement option:Age | Years of Service |
---|---|
62 | 5 |
60 | 20 |
55 | 30 |
Early Optional Retirement
To be eligible for this retirement category, your agency must be undergoing a major reorganization, reduction-in-force, or transfer of function determined by the Office of Personnel Management. Your annuity is reduced if you are under age 55. Here are the age and years of service requirements for this retirement category.Age | Years of Service |
---|---|
50 | 20 |
Any age | 25 |
Special Provision Retirement
This is a special retirement category for air traffic controllers, law enforcement officers, firefighters, nuclear materials couriers, Supreme Court Police and Capitol Police. Here are the age and service requirements for eligibility:Age | Years of Service |
---|---|
50 | 20 |
Any age* | 25 |
Discontinued Service Retirement
In this case, your separation from service must be involuntary and not a removal for misconduct or delinquency. The age and service requirements for eligibility for this retirement category are as follows:Age | Years of Service |
---|---|
50 | 20 |
Any Age | 25 |
Retirement for Disability
To be eligible for a disability-related retirement, you must be disabled for useful and efficient service in your current position and any other vacant position at the same grade or pay level within your commuting area and current agency for which you are qualified. You must have been disabled prior to your retirement, and the disability should be expected to last for more than one year. Eligibility for this retirement benefit can be at any age, with at least 5 years of service.Deferred Annuity
If you leave Federal service before you meet the age and service requirements for an immediate retirement benefit, you may be eligible for deferred retirement benefits. To obtain your deferred annuity you will have to complete OPM’s Form 1496A athttp://www.opm.gov/Forms/pdf_fill/OPM1496A.pdf, and send it to the address listed on the form. The form has 9 pages of detailed instructions and general information about eligibility and payments. Contact OPM directly for any further assistance you may need. There is no reason to delay applying for the annuity beyond age 62. You should wait until 60 days prior to your 62nd birthday before you submit your application. OPM can be reached by calling toll-free 1 (888) 767-6738, or writing to: Office of Personnel Management, PO Box 45, Boyers, PA 16017.FERS Retirement Benefits Eligibility
Eligibility for Federal Employees Retirement System (FERS) retirement benefits is determined by your age at retirement, your number of years of creditable service, and in certain circumstances, what type of retirement you chose when first becoming eligible.. In some cases, you must have reached the Minimum Retirement Age (MRA) to receive retirement benefits. This article discusses eligibility issues. Minimum Retirement Age Your minimum retirement age depends on when you were born. Here is a schedule for determining your MRA:If you were born | Your MRA is |
Before 1948 | 55 |
In 1948 | 55 and 2 months |
In 1949 | 55 and 4 months |
In 1950 | 55 and 6 months |
In 1951 | 55 and 8 months |
In 1952 | 55 and 10 months |
In 1953 through 1964 | 56 |
In 1965 | 56 and 2 months |
In 1966 | 56 and 4 months |
In 1967 | 56 and 6 months |
In 1968 | 56 and 8 months |
In 1969 | 56 and 10 months |
In 1970 and after | 57 |
Requirements for Retirement
The requirements for retirement under FERS are as follows:
|
Immediate Retirement
An immediate retirement benefit is one that starts within 30 days from the date you stop working. If you meet one of the following sets of age and service requirements, you are entitled to an immediate retirement benefit:Age | Years of Service |
62 | 5 |
60 | 20 |
MRA | 30 |
MRA | 10 |
Early Retirement
The early retirement benefit is available in certain involuntary separation cases and in cases of voluntary separations during a major reorganization or reduction in force. To be eligible, you must meet the following minimum requirements:Age | Years of Service |
---|---|
50 | 20 |
Any Age | 25 |
Deferred Retirement
Deferred retirement refers to delayed payment of benefits until certain criteria are met, as follows: If you leave federal service before you meet the age and service requirements for an immediate retirement benefit, you may be eligible for deferred retirement benefits. To be eligible, you must have completed at least 5 years of creditable civilian service. You may receive benefits when you reach one of the following ages: age 62 with 5 years of service; your Minimum Retirement Age and 30 years of service; or your Minimum Retirement Age and 10 years of service.Disability Retirement
You are eligible for disability retirement at any age as long as you have at least 18 months of service. There are, however, special requirements for disability retirements, as follows: 1. The employee must have become disabled for useful and efficient service in his or her current position, because of a disease or injury in your current position. 2. The disability must be expected to last at least one year. 3. The employee’s Agency must certify that it is unable to accommodate his or her disabling medical condition in his or her present position and 4. The employee’s Agency has considered the employee for any vacant position in the same agency at the same grade/pay level, within the same commuting area, for which he or she is qualified for reassignment.Post-Federal-Service FERS Annuity
Many people leave federal service for the private sector and often forget about their FERS contributions and annuity. If you worked for the civil service or postal service for at least five years before leaving federal service, and didn’t withdraw your funds, you can either collect a FERS annuity as early as age 60 with 20 years of service or at age 62 with 5 years of service, or accept a lump-sum payment. The annuity is computed as a regular FERS annuity.Search for Public Sector Retirement Expert.
Receive the Best advice.
PSR Experts can help you determine if Public Sector Retirement is right for you or if you should look for alternatives.
The Best Advice creates
the best results.
Recent Articles
LEO Perks: Why Federal Law Enforcement Officers Are Laughing All the Way to Retirement
Key Takeaways:
Federal Law Enforcement Officers (LEOs) enjoy
What to Consider Before You Touch Your TSP—Federal Employees’ Guide to Making the Right Withdrawal Choices
Key Takeaways
Making withdrawals from your Thrift Savings
FEGLI: Is It Still Worth It After You Retire? Here’s What the Numbers Say
Key Takeaways:
If you’re keeping FEGLI into retirement,
FERS Isn’t Just Your Pension—Here’s Why It’s the Key to a Wealthy Retirement in 2024
Key Takeaways:
The Federal Employees Retirement System (FERS)
Trending
Federal Employee
Taking Money Out of TSP: Here’s How to Avoid the Common Pitfalls Federal Employees Make
Key Takeaways Understanding the different TSP withdrawal options can help federal employees avoid costly mistakes that could reduce their retirement...
Federal Employee
Preparing for Retirement: Essential Financial Moves for FERS Employees
Key Takeaways: Proper financial planning is crucial for FERS employees to maximize their retirement benefits and ensure a secure financial...
Federal Employee
Making the Most of Your FEDVIP Benefits: Tips and Tricks
Key Takeaways: Making the most of your FEDVIP benefits involves understanding coverage details, utilizing in-network providers, managing out-of-pocket costs, and...
Search For Public Sector Retirement Expert
Receive the Best advice.
PSR Experts can help you determine if
Public Sector Retirement is right for you or if you should
look for alternatives.
The Best Advice creates
the best results.
Are You A Federal Retirement Expert?
Are You A Federal Retirement Expert?
Subscribe to our Newsletter
Plan your retirement with confidence. Psretirement.com offers expert guidance for federal employees navigating their retirement options.
FERS & CSRS
- Federal Employees Retirement System (FERS)
- FERS Annuity Calculation
- FERS Supplement
- FERS & Social Security
- Civil Service Retirement System (CSRS)
- CSRS Annuity Calculation
- CSRS Offset
- CSRS vs. FERS
- FERS and Social Security
- FERS Eligibility
- FERS Phased Retirement
- FERS Refund of Retirement Contributions
- Government Pension Offset (GPO)
- Federal Employees Retirement System (FERS)
- FERS Annuity Calculation
- FERS Supplement
- FERS & Social Security
- Civil Service Retirement System (CSRS)
- CSRS Annuity Calculation
- CSRS Offset
- CSRS vs. FERS
- FERS and Social Security
- FERS Eligibility
- FERS Phased Retirement
- FERS Refund of Retirement Contributions
- Government Pension Offset (GPO)
- FEHB – Health Insurance
- FEHB Plan Comparison
- Medicare
- Medicare Enrollment For Federal Employees
- FEHB with Medicare
- FEHB in Retirement
- Postal Service Health Benefits (PSHB)
- Transition from FEHB to PSHB
- Choosing the Right PSHB Plan
- Federal Long-Term Care Insurance Program (FLTCIP)
- Long-Term Care Options & Planning
- Medicare and FEHB Coordination
- Medicare Advantage vs. Original Medicare
- Federal Employees’ Group Life Insurance (FEGLI) Rates
- Federal Employees Dental Vision Insurance Program (FEDVIP)
- Enroll in FEDVIP
- FEHB – Health Insurance
- FEHB Plan Comparison
- Medicare
- Medicare Enrollment For Federal Employees
- FEHB with Medicare
- FEHB in Retirement
- Postal Service Health Benefits (PSHB)
- Transition from FEHB to PSHB
- Choosing the Right PSHB Plan
- Federal Long-Term Care Insurance Program (FLTCIP)
- Long-Term Care Options & Planning
- Medicare and FEHB Coordination
- Medicare Advantage vs. Original Medicare
- Federal Employees’ Group Life Insurance (FEGLI) Rates
- Federal Employees Dental Vision Insurance Program (FEDVIP)
- Enroll in FEDVIP
Not affiliated with The United States Office of Personnel Management or any government agency
"*" indicates required fields
Book Phone Consultation
"*" indicates required fields