The Federal Employees Retirement System (FERS) applies to federal employees hired after 01/01/1984. FERS Retirement has rules and guidelines that must be adhered to in order to optimize your retirement benefits.
When you select your retirement date, regulations require that it must be at the end of a month. There are also strict guidelines that govern when in your career you may retire. See the charts below.
| Age | Years of service required |
| Must meet minimum retirement age (MRA) see chart below | 30 years |
| Must meet minimum retirement age (MRA) see chart below | 10 years (reduced benefit)* |
| 60 | 20 years |
| 62 | 5 years |
*Benefit reduced by 5% for each year of age under age 62.
COLA (Cost of Living Adjustment age 62
Employees hired after 01/01/2013 FERS-RAE (Revised Annuity Employees)
Employees hired after 01/01/2014 FERS FRAE (Further Revised Annuity Employees)
FERS Retirement procedures allow federal employees to do it all themselves. But there are many minor details that can be optimized to create the best possible retirement for you.
I am a former HR Retirement & Benefit Specialist for the US Postal Service. In my position I had years of extensive formal training with the Office of Personnel Management, focusing on the areas of retirement and benefits. I will make sure that your FERS Retirement is done right!
My services are available in person, or can be done completely via online and phone communication.
If you just need some advice,
feel free to Contact Me.
