What is a Minimum Retirement Age (MRA) plus 10 annuity under the Federal Employees Retirement System (FERS)?

An MRA+10 retirement allows you to retire with retirement benefits beginning immediately after you have completed at least ten years of service and have reached your Minimum Retirement Age, which depends on the year you were born and ranges from age 55 to 57. To identify your Minimum Retirement Age, see the FERS Minimum Retirement Age chart below:

If you were born

Your MRA is

In 1965
56 and 2 months

In 1966
56 and 4 months

In 1967
56 and 6 months

In 1968
56 and 8 months

In 1969
56 and 10 months

In 1970 and after
57

Keep in mind that if you retire under FERS MRA+10 retirement provisions, your annuity will be reduced for each month you are under age 62. The reduction equals five percent per year (or 5/12 of one percent per month).