Q. I was told I am included in the catch 62 provision. I served four years in the Air Force from 1974 to 1978 and began Postal Service employment in 1979 (to present). I’d like to retire this year. I also have 2,282 hours of sick leave, and my service computation begins in 1975.

A. If you will be eligible for a Social Security benefit and haven’t made a deposit to get credit for your years of active-duty service, those years will be deducted and your annuity recomputed without them. If you are retired before age 62, the reduction will occur at age 62. If you retire after age 62, the reduction will occur on the day you retire.


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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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