Q. I am a letter carrier with the Postal Service and am 58 years old. I have 25 years of service and am considering deferred retirement due to health issues. As I understand it, I should be able to start my retirement annuity at age 60 with no reduction in benefits. Is this correct?
A. Yes. Your annuity would be computed using the standard formula and based on your high-3 and years of service on the day you resigned.