What are the age and service combinations to retire early under FERS?
An agency may offer an “early out” option to employees during a downsizing, such as a reduction in force or reorganization, or for workforce restructuring purposes, such as to improve skills mixes. To be eligible an employee must meet certain minimum age and service requirements: at least age 50 with 20 or more years of creditable service or at any age with at least 25 years of creditable service. FERS employees who retire early will face no age reduction penalty in their annuities.

There are certain other restrictions that apply only in limited situations; see Chapter 3, Section 5 of the Federal Employees Almanac.

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