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Quick Start: Key FERS Reminders

Deferred Retirement

Available if you separated with at least 5 years of creditable civilian service. Annuity typically begins at age 62.

Postponed Retirement

Available if you met MRA with 10+ years of service. This may allow you to reinstate valuable FEHB health coverage.

Critical Warning

If you take a refund of your FERS contributions, you permanently forfeit all rights to a future annuity. This is irreversible.

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