Can I Do an MRA +10 Without a Reduced Benefit?

By on February 5, 2015 in Q&A, Retirement with 48 Comments

Q: I was hired by the VA (FERS) at 50 yrs old in 2010 after retiring from State Police. I am looking to do MRA +10 at 60 in 2020. Can I do it without a reduced benefit and keep my health insurance benefits?

A: Yes you can carry your FEHB into retirement in the scenario you describe. The requirements for carrying FEHB over into retirement are that you be enrolled for the five years immediately before retirement, that you be enrolled on the day of retirement and that you retire on an immediate annuity (i.e., one that is payable within 30 days of separation). You will meet all of these requirements if you retire at age 60 under the MRA+10 criteria.

Unfortunately, you cannot eliminate the reduction to your MRA+10 pension. If you retire at age 60, your pension will be reduced by 10%.

John Grobe’s latest book, The Answer Book on Your Federal Employee Benefits, has just been released by LRP Publications. The book is written in an easy to understand question and answer format and covers all areas of federal benefits from the perspective of an employee at various stages of their career. Order your copy at

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About the Author

John Grobe is President of Federal Career Experts, a consulting firm that specializes in federal retirement and career transition issues. He is also affiliated with TSP Safety Net. John retired from federal service after 25 years of progressively more responsible human resources positions. He is the author of Understanding the Federal Retirement Systems and Career Transition: A Guide for Federal Employees, both published by the Federal Management Institute. Federal Career Experts provides pre-retirement seminars for a wide variety of federal agencies.