Early retirement?

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Q. I was just notified that my commander would like to meet to offer me early retirement. I am 51 years old but only have 12 years civil service. I retired from active duty with 20 years before that and am collecting my retirement. My position was eliminated over a year ago and I am thinking this is why it’s being offered. Any advice?

A. Unless you made a deposit to get credit for your active-duty service and are willing to waive your military retired pay, you aren’t eligible for early retirement.

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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 fedexperts@federaltimes.com.

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