Where each department's retirement analysis differs: special-provision coverage, pay systems, payroll providers, and the details that trip up advisors.
| Group | Eligibility | Mandatory | Formula | Supplement | COLA |
|---|
| Retirement type | Age & service | Reduction | Supplement |
|---|---|---|---|
| Immediate | MRA + 30 · 60 + 20 · 62 + 5 | None | Yes (MRA+30, 60+20) until 62 |
| MRA + 10 | MRA with 10–29 years | 5% per year under 62 (can postpone) | No |
| Early (VERA / DSR) | 50 + 20 · any age + 25 | None | Yes, starting at MRA |
| Deferred | Separated with 5+ years | Payable at 62 (or MRA with 10+ yrs, reduced) | No; no FEHB/FEGLI |
| Disability | 18 months of service | Special formula | No |
MRA: 55 (born before 1948) rising to 56 (born 1953–1964) and 57 (born 1970 or later). Multiplier: 1.0% × High-3 × years, or 1.1% if retiring at 62+ with 20+ years.