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If you are eligible for an MRA + 10 annuity upon separation from Federal service, you may reduce or eliminate the age reduction by postponing the starting date of your MRA + 10 annuity. You may elect a postponed MRA + 10 retirement benefit at any time after you separate from Federal service. If you elect a postponed MRA + 10 retirement benefit upon separation from Federal service, your health benefits and life insurance coverage terminate. You may then convert to individual health and life insurance policies. You may also elect temporary continuation of coverage for health insurance.

When the postponed annuity begins:

  • Your life insurance may be reinstated based on the coverage you had upon separation and were eligible to continue into retirement; and
  • You may reenroll in the health benefits program if you were eligible to continue health insurance into retirement at separation.

Your health and life insurance will be reinstated prospectively, even if you elect a retroactive annuity starting date.

Computation of Postponed Retirement Annuity

A postponed annuity is based on the length of service and high-3 average salary (highest average basic pay over any 3-year period) in effect when you separated from Federal service. A postponed annuity is reduced by five-twelfths of one percent for each full month by which the commencing date of annuity precedes your 62nd birthday. The annuity is not reduced if you completed at least:

  • Twenty years of service and postponed the annuity commencing date until age 60; or
  • Ten to 19 years of service and postponed the annuity commencing date until age 62.


  1. Complete RI 92-19, Application for Deferred or Postponed Retirement.
  2. Mail the OPM 1496A to:
    Office of Personnel Management
    Retirement Operations Center
    P.O. Box 45
    Boyers, PA 16017-0045
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