What is my FERS Minimum Retirement Age?
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By the OnPAR Federal Retirement Education editorial team · Last updated
Your MRA depends on your birth year: 55 if born before 1948, rising by 2 months a year to 56 for 1953–1964, then rising again to 57 for anyone born in 1970 or later. It is the earliest age you can take an immediate FERS retirement with 30 years (or with 10 years under MRA+10).
| Born | MRA |
|---|---|
| Before 1948 | 55 |
| 1948 | 55 & 2 mo |
| 1949 | 55 & 4 mo |
| 1950 | 55 & 6 mo |
| 1951 | 55 & 8 mo |
| 1952 | 55 & 10 mo |
| 1953–1964 | 56 |
| 1965 | 56 & 2 mo |
| 1966 | 56 & 4 mo |
| 1967 | 56 & 6 mo |
| 1968 | 56 & 8 mo |
| 1969 | 56 & 10 mo |
| 1970 and after | 57 |
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Frequently asked questions
What is my MRA if I was born in 1965?
56 and 2 months. OPM's table adds 2 months for each birth year from 1965 through 1969, reaching 57 for anyone born in 1970 or later.
Can I retire at my MRA with fewer than 30 years of service?
Yes, with at least 10 years (MRA+10). OPM reduces the benefit by 5% a year for each year you are under 62, unless you have 20 years of service and your benefit starts at age 60 or later.
Does the MRA matter if I leave federal service early?
Yes. If you leave with at least 5 years of creditable civilian service before you qualify for an immediate benefit, a deferred benefit can start at 62 with 5 years, at your MRA with 30 years, or at your MRA with 10 years (reduced), according to OPM.