Q. I was in the Navy for 7½ years. If I work for the Department of Veterans Affairs for 12½ years, will I receive a pension?
A. Setting aside your time in the Navy for the moment, you could retire with as few as 10 years of actual civilian service when you reached your minimum retirement age; however, your annuity would be reduced by 5 percent for every year you were under age 62. However, if you made a deposit to get credit for your active-duty time, you would have at least 20 years of service and could retire with an immediate, unreduced annuity at age 60.