Q. My husband retired from the federal government a year and a half ago with 40 years of service. I am age 59 and employed by the commonwealth of Virginia. If I take early retirement through Virginia Retirement Service, can I draw on his retirement since I am not 62 and cannot draw Social Security?
A. No, you can’t. Assuming that he elected a survivor annuity for you as required by law, you’ll only be eligible for that benefit if he were to die.