How Minimum Retirement Age (MRA) Affects Postponed Retirement Your Minimum Retirement Age (MRA) determines when you become eligible for FERS postponed retirement. MRA varies based on birth year, ranging from 55 to 57. If you have at least 10 years of service, you can retire at MRA but face a 5% per year reduction in your annuity if you take it immediately. By postponing your annuity ... https://www.federalpensionadvisors.com/post/fers-postponed-retirement