• Retirement Services

  • FERS INFORMATION

    Eligibility is determined by your age and number of years of creditable service.  In some cases, you must have reached the Minimum Retirement Age (MRA) to receive retirement benefits.  Use the following chart to figure your Minimum Retirement Age.

    Eligibility Information
    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 1953-1964 56
    In 1965 56 and 2 months
    In 1966 56 and 4 months
    In 1967 56 and 6 months
    In 1968 56 and 8 mo
    In 1969 56 and 10 mont
    In 1970 and after 57

    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:

    Eligibility Information
    Age Years of Service
    62 5
    60 20
    MRA 30
    MRA 10

    If you retire at the MRA with at least 10, but less than 30 years of service, your benefit will be reduced by 5 percent a year for each year you are under 62, unless you have 20 years of service and your benefit starts when you reach age 60 or later.

    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 requirements:

    Eligibility Information
    Age Years of Service
    50 20
    Any Age 25

    Deferred Retirement

    Refers to delayed payment of benefit until 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:

    Eligibility Information
    Age Years of Service
    62 5
    MRA 30
    MRA 10

    If you retire at the MRA with at least 10, but less than 30 years of service, your benefit will be reduced by 5 percent a year for each year you are under 62, unless you have 20 years of service and your benefit starts when you reach age 60 or later.

    Disability Retirement

    Disability Federal Employees Retirement System (FERS) Annuity Requirements:

    Eligibility Information
    Age Years of Service
    Any Age 18 months

    Special Requirements

    You must have become disabled, while employed in a position subject to FERS, because of a disease or injury, for useful and efficient service in your current position. The disability must be expected to last at least one year. Your agency must certify that it is unable to accommodate your disabling medical condition in your present position and that it has considered you for any vacant position in the same agency at the same grade/pay level, within the same commuting area, for which you are qualified for reassignment.

    https://www.opm.gov/retirement-services/fers-information/eligibility/