Q: I recently had my retirement pay calculated. I was a part-timer during my first three years of employment — approximately 25 hours per week. I subsequently have had 13 years of full-time federal employment. It appears that I will incur a 10 percent penalty in my retirement pay because of those part-time years. Do you know if that will always be true no matter how long I stay as a federal employee?
A: The longer you work, the smaller the reduction in your annuity will be.