FERS guide
FERS MRA+10 Reduction Explained
MRA+10 is often confusing because it mixes eligibility, reduction, and start-date timing. Separate those questions before comparing an immediate start with a postponed start.
What to gather before you estimate
- Minimum retirement age
- Creditable service at separation
- Immediate annuity start date
- Possible postponed annuity start date
- Benefits questions to confirm before separating
Last reviewed 2026-05-01
What the reduction question means
MRA+10 can apply when a FERS employee has reached minimum retirement age with at least 10 years of service but does not meet a longer-service unreduced immediate path.
If the annuity starts before age 62, an age reduction may be part of the planning conversation. The exact result depends on the dates you test.
Why postponed timing matters
A postponed annuity can move the start date later. That may change the reduction picture, but it also creates benefits and cash-flow questions to review.
Use the calculator to test your dates, then confirm official eligibility, FEHB, FEGLI, survivor, and paperwork questions with agency or OPM materials.
Related calculator pages
Independent educational planning content. Not affiliated with OPM. Confirm official retirement and benefit decisions with agency or OPM materials.