Q. I am in the Air National Guard as a WG-10 (accepted) technician who bought back three years of active military time. I am 49 years old with 22 years as a technician, including the three years I bought back. I would like to get a different job in the private sector. My minimum retirement age is 56. What would the penalties be if I retired now? Could I receive any retirement now and start collecting right away? What if I wait, and start working a private-sector job until my MRA then start collecting? Would there be any penalties if…
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Q. If I were to retire Jan. 3, 2013, and will turn 55 on July 7, how is the CSRS early retirement penalty computed? Is it by days or months? A. In months, with a reduction of 1/6 percent per month.