Q. Do I have to resign to retire with MRA +10? Can I get credit for sick leave when I start my benefits at 60 with 27 years service?
A. If you meet the age and service requirements to retire under the MRA+10 provision, you may either apply for an annuity before you resign and accept the five percent-per-year age penalty or apply for it at a later date and reduce or eliminate the age penalty. In either case, you’d receive credit for your unused sick leave in your annuity computation.