Q. I served on active duty (Army, O-4) for 12 years and had four years in the Guard enlisted time during college. Do my 16 years qualify me for any benefits under FERS once I reach 65? Does it make sense for me to try to get a job in the federal government to work for five more years and reach the magic 20? A: First, if you got a civilian job, you would have to work for 5 years to be vested in the retirement system. Second, to get credit for active-duty service, you’d have to make a deposit…