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 bornYour MRA is
Before 194855
In 194855 and 2 months
In 194955 and 4 months
In 195055 and 6 months
In 195155 and 8 months
In 195255 and 10 months
In 1953-196456
In 196556 and 2 months
In 196656 and 4 months
In 196756 and 6 months
In 196856 and 8 mo
In 196956 and 10 mont
In 1970 and after57

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
AgeYears of Service
625
6020
MRA30
MRA10

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
AgeYears of Service
5020
Any Age25

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
AgeYears of Service
625
MRA30
MRA10

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
AgeYears of Service
Any Age18 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/