FERS Postponed Retirement: A Smart Federal Strategy

If you’re a federal employee who’s reached the Minimum Retirement Age but hasn’t completed enough service years, fers postponed retirement allows you to delay your annuity while maintaining eligibility for key benefits like FEHB. This option helps you avoid early retirement reductions and supports long-term financial planning. The flexibility of postponed retirement fers makes it ideal for those who need more time before claiming full benefits. By stepping away from work now and activating your pension later, you preserve both income potential and federal perks for future stability.