Q. I am 48 years old and have six years of federal service under FERS. If I were to quit my job today, would I qualify for an annuity and when is the earliest I could start collecting on it? I know my MRA is age 56.
A. Because you have at least five years of creditable service, if you resigned from the government, you could apply for a deferred annuity at age 62. That annuity would be based on your highest three consecutive years of average salary (your high-3) and your years and full months of service on the day you left.