To apply for a regular (unreduced) retirement benefit, you must be:
- age 65 or older with at least 10 years of service credit,
- between age 60 and 64 with at least 15 years of service credit, or
- between age 55 and 59, if age and service credit total at least 85 (“Rule of 85”)
Read about early retirement on your plan page. You can find a list of plans here.