Q. I was hired Dec. 28, 1984, by the Postal Service. My required retirement age is 57; I am 50. If the Postal Service offers an early retirement option giving me two years, would I qualify for the FERS supplement immediately, and what about my insurance? How much if any penalty would I be subjected to?

A. The Postal Service can’t offer you two years to make you eligible for early retirement without a change in the law, which isn’t about to happen.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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