Your Minimum Retirement Age is only the first number. The real timing question is how age, creditable service, MRA+10 reductions, the age-60 and age-62 rules, sick leave, and the FERS supplement fit together on your actual target date. Our guides show you which records to check and which eligibility path you are evaluating, in plain language, so you can understand the mechanics without sitting through a seminar pitch.
Then comes the document stack. SF 3107 is not one signature and done: schedules, service-history corrections, survivor and insurance elections, agency deadlines, payroll separation, OPM intake, and interim pay all have to move in the right sequence. We map the application from the first records request through OPM adjudication, including the deadlines and follow-up points that disappear inside generic retirement articles.
The choices continue after the date is set. Keeping FEHB into retirement, coordinating it with Medicare later, and deciding how to access the TSP are separate decisions with connected deadlines and tax paperwork. These independent guides lay out the sequence, elections, and questions to resolve — without an advisor's sales funnel, personalized investment advice, or any claim of affiliation with OPM, the TSP, USPS, or another federal agency.