Q. I am a 48-year-old FERS employee and considering resignation with almost 28 years of federal service. If I resign now (age 48), at age 60 do I submit a request to the Office of Personnel Management to collect pension high-3 (28 years of service)? If this is so, would this be considered a postponed or deferred retirement?
A. Since you have 30 years of service and wouldn’t be eligible to retire when you leave, you’d be eligible for a deferred annuity when you reach your minimum retirement age, which is 57. That annuity would be based on your high-3 on the day you left government.