Q. I was told to separate and postpone my retirement to avoid the penalty. I am 58 years old, and will have 16 years at the Defense Department. How does the annuity work? Is it an annual payment or monthly? What is the difference between postpone and defer? Do I submit my intentions to the HRC CPAC when I submit for separation?
Q. I am a FERS LEO retiree who retired at age 52 with 25 years of government service. I am now 53 years old. Is it true that my wife can earn as much as she can over $15,720 without it affecting my Social Security supplement until I reach the MRA of 56? Also, must I request the Social Security supplement each year, or is it automatic?