Q. I served in the Navy from 1982-1987, then worked for the Postal Service from 1987-2003. I resigned from the Postal Service in 2003, hence, a total of 21 yrs of service. Am I entitled to any retirement benefits?
A. Because you were employed under FERS for at least five years, you would be eligible for a deferred annuity at age 62, but only if you didn’t take a refund of your retirement contributions when you left. You wouldn’t receive any credit for your active-duty service in determining your length of service or in your annuity computation unless you had made a deposit to the civilian retirement fund before you left.