Q. I am going on 42 with 23 years of federal service. I would like to know if I would qualify for anything if a reduction in force were to take place. I see the computation charts show any age but you need 25 years. I don’t have 25 yet, so would that mean I wouldn’t be eligible for buyouts or anything until then?
A. While you would be eligible for a buyout, you wouldn’t be eligible for an immediate annuity. If you are offered a buyout, you could accept it and resign. Although you don’t meet the age and service requirements to retire on an immediate annuity, you would be eligible for a deferred annuity when you reach age 60.