Q. I have 10 years with the military for which I haven’t made a deposit, and I will have 10 years in civil service. I’m a 55-year-old FERS employee. When will be the soonest time I can retire? If I leave the federal service before 62, can I still get my retirement when I’m 62?
Q. I am 52 years old. Before coming to work for the government, I was in the Navy for six years and received an honorable discharge. I am leaving a 27-year career and going into the ministry. Am I eligible for any retirement benefits?
Q. I have 27 years of service and am currently employed with the federal government. I am 52 years old and was born in 1965. If I decide to leave before reaching 30 years of service and take a reduced annuity upon reaching my minimum retirement age, will the penalty be 20 percent in each of the four years before reaching 60, or will the penalty get reduced as I get closer to 60?
Q. I have worked since I was 14. I am now just about to turn 50. I have been a hard worker during my life and my body just cannot take it anymore. I have made between $30 and $110,000 a year. My wife works and makes decent money. What are my options? I have not worked for the last two years.
Q. I was informed by my local human resources and retirement benefits representative that under FERS, with 30 years of credible service, I am eligible for retirement at any age (I am age 50, with 20 credible years of service) without reduction in annuity payments. Does this seem correct?
Q. I think I joined the federal workforce way too early. According to my service computation date, I will have reached 30 years on Aug. 8, 2018 — mere days after I turn 49 — and I’m guessing my earliest possible retirement date will be Dec. 31, 2018. Of course, this is all information I have gleaned from my research. My somewhat pessimistic guess is something will change that retirement date between now and then and kick it down the road beyond Dec. 31, 2018. What do you think?