Q. Can I retire at 57? I’ve been a nurse aide in long-term care for 20 years. My back and body can’t take it any more.
A. You could retire now under the MRA+10 provision. However, your annuity would be reduced by 5 percent for every year you are under age 62. Alternatively, you could apply for disability retirement. If approved, your annuity would be calculated under a different formula, and there would be no reduction in that annuity.
Note: If you apply for disability retirement, you would also have to apply for Social Security disability benefits, otherwise your application would not be processed.