Eligibility to receive benefits

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Q. I worked for the post office for 23 years under FERS and resigned at the age of 48 to work in the private sector. I am 53 and would like to know when I would be eligible to receive retirement benefits. Also, I worked for four years with the state government. Would those years count towards retirement?

A. If you didn’t receive a refund of your retirement contributions when you left, you’d be eligible for a deferred annuity at age 60. That annuity would be based solely on your years of FERS service.

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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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