Q. I had 13 years of federal civil service with the National Guard. I never withdrew the money I had allotted in FERS. Am I vested? Also, will I get a retirement check at age 60?

A. Yes, you are vested. However, because you had at least five years of service but fewer than 20, you won’t be eligible for a deferred annuity until age 62.

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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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