FERS MRA+20 Years Service: Retirement Benefits and Planning

Last updated: February 4, 2025

FERS Retirement with MRA+20 Years of Service

Federal employees with 20 years of service at their Minimum Retirement Age have access to enhanced retirement benefits. Understanding these benefits is crucial for optimal retirement planning.

Want to See Your Retirement Numbers? Use our Retirement Planning Wizard to calculate benefits and explore different scenarios.

Benefits with 20 Years of Service

  • Higher annuity percentage
  • Reduced age-based penalties
  • FEHB/FEGLI continuation options
  • Special retirement supplement eligibility

Planning Considerations

  • Optimal retirement timing
  • Benefit calculation factors
  • Healthcare coverage options
  • Survivor benefit decisions

Maximize Your Federal Benefits

Visit GovRet.com to:

  • Calculate your exact benefit amount
  • Explore retirement timing options
  • Plan your retirement strategy
  • Access comprehensive planning tools
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