Q. I have 25 years of CSRS service. From 1971 until Aug. 15, 1991, I worked for the post office, then I quit and took out my retirement, $20,000 at the time. I went back to work at the VA in 2008. I owe $64,000 on my deposit. I was in FERS; then FERCCA helped me get in the offset. When I retire, I will be 62. Am I entitled to an actuarial reduction? How does that work? A. Because you took a refund of your retirement contributions after Feb. 28, 1991, you will receive credit for that service in…