Q. I am 52 with 33 years and 3 months service (30 U.S. Postal Service and three in the Army). My minimum retirement age is 56 years 4 months. If I decided to leave the Postal Service now, what are the penalties?
A. If you leave government before you are eligible to retire, you could apply for a deferred annuity when you reach your minimum retirement age, which is 56 and 4 months. Just be aware that you wouldn’t be entitled to the special retirement supplement, nor could you re-enroll in either the FEHB or FEGLI programs.