Q. I’ve been working for the federal government for 12 months and am planning to leave. If I buy back my eight years of active-duty service before I go, would I be eligible for a FERS annuity at age 62?
A. No, you wouldn’t. To be eligible for a deferred annuity, you would need to have five years of actual FERS service. Active-duty service for which you’ve made a deposit only counts after you are vested in the retirement system.