Q. I am a FERS employee. I am planning to do an immediate retirement (MRA +10). Date of birth: March 1952. Service computation date: February 1996. This gives me 17 years in FERS and well within the minimum retirement age. I would like to postpone the receipt of my annuity until my next birthday (62), eliminating the penalty. This should allow me to use all my sick leave for annuity computation. Is this possible?

Q. I have 25+ years at 63 years old and am eligible for FERS retirement. If I were to accept the Voluntary Separation Incentive Pay, would I be penalized for continuing to work with Wildland Fire as an administratively determined retired federal employee? No one in human resources seems to be able to answer this one. I suspect the way the language is written, the answer is no.

Q. I have 20½ years of service — 17¼ under 6c (currently serving) and 7½ years of military that I bought back; 28 years total. If my agency gets Voluntary Early Retirement Authority, when would I be eligible for the special retirement supplement under FERS 6c?

Q. I am a Defense Department civilian under FERS. I have nine years of service. I plan to take a break in service to finish a graduate degree program (actually resign). I plan on being hired again (probably four to eight months later) at a higher grade and working another two to three years. Is there any significant impact to any retirement related issues? Loss of Thrift Savings Plan, reduced benefits?

Q. I am a Postal Service letter carrier in Lake Worth, Fla. I started in 1990, but was not made a career employee until Aug. 6, 1994. From Sept. 25, 1990, until Aug. 6, 1994, I worked both as an NTE (casual) and a temporary employee. Can I buy back these four years so that I would have 23 years of service with the USPS, and therefore needing seven years before I can retire with a full retirement. As of now, I have 19 years in.

Q. I am under FERS. I would be eligible for retirement if an early-out is offered with at least 25 years of service (I have 27½). I would like to go now and would prefer to do so under an early-out offer so that my retirement will start right away instead of having to take a deferred retirement. If I get a job offer before the early-out comes, once I sign the final papers and retire, then an early-out is offered a month or so later, is there a window that I may rescind my retirement to be included in…

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