Short answer
Yes, MRA+10 can carry a 5 percent per year age reduction.
OPM says an MRA+10 FERS annuity is reduced by 5/12 of 1 percent for each month the annuity starts before age 62. That is 5 percent per year. OPM also says postponing the annuity start date can reduce or eliminate the cut.
Start here
What you actually came to find out
Plain answers first. Sources stay below for checking details.
What is MRA+10?
It is the FERS path for someone who reaches MRA and has at least 10 years, but fewer than 30 years, of creditable service.
Where does the cut come from?
OPM applies 5/12 of 1 percent for each month the annuity starts before age 62.
What does postponing change?
A later annuity start date can reduce or remove the age reduction.
What happens to the supplement?
OPM says an immediate MRA+10 benefit is not eligible for the FERS annuity supplement.
Age reduction
5%/yr
OPM says MRA+10 can be reduced by 5/12 of 1 percent per month before age 62.
Service band
10 to 29
MRA+10 sits between 10 years and fewer than 30 years of creditable service.
Source trail: OPM
Postponed start
Can reduce cut
OPM says postponing the annuity start date can reduce or eliminate the age reduction.
Source trail: OPM
Supplement
Usually no
OPM says an immediate MRA+10 benefit is not eligible for the annuity supplement.
Source trail: OPM
The clean way to read MRA+10 is this: separation age, annuity start age, years of service, FEHB, FEGLI, and the supplement are all different lines.
Neutral landscape
The shape of the question
Start with retirement type. OPM separates voluntary, early, deferred, disability, and MRA+10 retirement paths.
Source trail: OPM
Then check the age cut. OPM computation guidance says MRA+10 can be reduced 5 percent per year before age 62.
Source trail: OPM
Then separate separation from annuity start. OPM says postponing can reduce or eliminate the age reduction.
Source trail: OPM
Finally, keep the supplement separate. OPM says immediate MRA+10 does not qualify for the supplement.
Source trail: OPM
Curator core
What the authorities say
These sources are here for the reader who wants to check the work. The plain-English answer stays above them.
Source 01
OPM
FERS Information: Types of Retirement
OPM explains FERS retirement types, eligibility ages, service rules, and special retirement supplement context.
Source framing
OPM is the official source for FERS retirement eligibility and supplement framing.
Strongest for: FERS retirement eligibility and supplement context
Read at OPMSource 02
OPM
FERS Information: Computation
OPM explains FERS annuity computation and related retirement benefit mechanics.
Source framing
OPM explains how FERS retirement benefits are calculated from service, age, and salary inputs.
Strongest for: FERS calculation vocabulary
Read at OPMSource 03
Thrift Savings Plan
Withdrawals in Retirement
The TSP explains withdrawal options for participants in retirement.
Source framing
The TSP explains that retirement withdrawals can be structured in different ways after separation.
Strongest for: retirement withdrawal options
Read at Thrift Savings PlanSource 04
OPM
Enrollment
OPM explains FEHB enrollment changes, Open Season, qualifying life events, and retirement continuation context.
Source framing
OPM explains when FEHB enrollment can change and how coverage continues into retirement.
Strongest for: official FEHB enrollment change rules
Read at OPMPlain-English forks
The forks people face
Most retirement questions hide a few smaller decisions. These are the practical pieces that change the plan.
Is this MRA+10 or a different retirement type?
Why it matters: MRA+10 is not the same as MRA with 30 years, age 60 with 20 years, VERA, disability, or deferred retirement.
In real life: This fork decides whether the 5 percent age-reduction rule enters the calculation.
What to look at: What to look at: OPM FERS retirement-type guidance.
When does the annuity begin?
Why it matters: The age reduction follows the annuity commencing date, not just the date work stops.
In real life: This fork changes the monthly pension number.
What to look at: What to look at: immediate versus postponed annuity start.
What happens before the annuity starts?
Why it matters: If the annuity is postponed, the bridge years need another source of cash flow.
In real life: This fork changes the map between separation and annuity start.
What to look at: What to look at: TSP withdrawals, cash, work income, and spending.
What happens to FEHB and FEGLI?
Why it matters: OPM treats health and life coverage differently when an annuity is postponed or deferred.
In real life: This fork changes the benefit checklist, not only the pension math.
What to look at: What to look at: OPM retirement-type and FEHB enrollment sources.
Common questions
Quick answers
Short, plain answers for the questions people usually have next. The source trail stays available below.
Will I be penalized if I retire under FERS MRA+10?+
OPM says an MRA+10 annuity can be reduced by 5/12 of 1 percent for each month the annuity starts before age 62. That is 5 percent per year.
Can postponing avoid the MRA+10 reduction?+
OPM says postponing the annuity start date can reduce or eliminate the age reduction.
Does MRA+10 get the FERS supplement?+
OPM says an immediate MRA+10 benefit is not eligible for the annuity supplement.
Is MRA+10 the same as deferred retirement?+
No. OPM lists MRA+10 and deferred retirement as separate paths, with different benefit and coverage consequences.
What if I have 20 years and wait until 60?+
OPM computation guidance says the annuity is not reduced if the worker has at least 20 years and the annuity begins at age 60.
Where does the bridge money come from if I postpone?+
That is a cash-flow question. TSP withdrawals, cash, work income, and spending all belong in the map before the annuity starts.
How this page is curated
This page uses OPM FERS retirement-type guidance, OPM FERS computation guidance, TSP retirement withdrawal sources, and FEHB enrollment context. It separates separation age from annuity start age because that is where the MRA+10 reduction changes.
Read the planner methodologyTrust anchor
Sources used on this page
Every source named above is listed here in one place.
OPM. FERS Information: Types of Retirement
https://www.opm.gov/retirement-center/fers-information/types-of-retirement/OPM. FERS Information: Computation
https://www.opm.gov/retirement-center/fers-information/computation/OPM. Enrollment
https://www.opm.gov/healthcare-insurance/healthcare/enrollment/Thrift Savings Plan. Withdrawals in Retirement
https://www.tsp.gov/withdrawals-in-retirement/
Before you act on this
This plan is educational. It is not personalized financial, tax, or insurance advice. Projections illustrate the math, they do not predict the future. Talk to your own licensed financial professional before acting on any of it.