Changes

*Age 62, 5 years of service

*Age 62, 5 years of service

*Age 60, 20 years of service (but a deferred annuity is unavailable under this combination)

*Age 60, 20 years of service (but a deferred annuity is unavailable under this combination)

*"Minimum Retirement Age" (MRA)<ref>The MRA ranges between 55 and 57 and is based on the employee's birth year, for a chart see https://www.opm.gov/retirement-services/fers-information/eligibility/.  For example, an employee born in 1965 has a MRA of 56 years and two months; thus a person born on June 3, 1965 is eligible to retire on August 3, 2021.</ref>, 30 years of service

*"Minimum Retirement Age" (MRA)<ref>The MRA ranges between 55 and 57 and is based on the employee's birth year, for a chart see https://www.opm.gov/retirement-services/fers-information/eligibility/.  For example, an employee born in 1965 has a MRA of 56 years and two months; thus a person born on June 3, 1965 with the required number of years of service is eligible to retire on August 3, 2021.</ref>, 30 years of service

*MRA, 10 years of service (but if having less than 30 years of service, the annuity is permanently reduced by 5/12 of 1% for each month the employee is under age 62, unless at retirement the employee has 20 years of service and agrees to defer the annuity until age 60)

*MRA, 10 years of service (but if having less than 30 years of service, the annuity is permanently reduced by 5/12 of 1% for each month the employee is under age 62, unless at retirement the employee has 20 years of service and agrees to defer the annuity until age 60)