MRA+10 is a FERS path for employees who have reached their minimum retirement age and have at least 10 years of creditable service, but do not meet the longer-service requirements for an unreduced immediate retirement.

The key planning question is not only whether MRA+10 is available. It is also when the annuity starts.

An immediate MRA+10 annuity may be reduced if it starts before age 62. OPM describes the reduction as five percent per year, or 5/12 of one percent per month, for months before age 62.

A postponed MRA+10 annuity can delay the start date. That timing question can affect reductions and benefit-continuation planning, so it deserves careful review.

Use MRA+10 planning to compare dates, clarify questions, and understand what information you need before talking with your agency benefits office.

Do not use a planning page alone to decide whether to separate. Health coverage, life insurance, survivor elections, and cash-flow timing can all matter.