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

I am looking to do MRA +10. Can I do it without a reduced benefit and keep my health insurance benefits?

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%.

Agencies can request to have John Grobe, or another of Federal Career Experts' qualified instructors, deliver a retirement or transition seminar to their employees. FCE instructors are not financial advisers and will not sell or recommend financial products to class participants. Agency Benefits Officers can contact John Grobe at to discuss schedules and costs.

About the Author

John Grobe is President of Federal Career Experts, a firm that provides pre-retirement training and seminars to a wide variety of federal agencies. FCE’s instructors are all retired federal retirement specialists who educate class participants on the ins and outs of federal retirement and benefits; there is never an attempt to influence participants to invest a certain way, or to purchase any financial products. John and FCE specialize in retirement for special category employees, such as law enforcement officers.