Q. I am 62 with 26 years in. I have been offered Voluntary Early Retirement Authority or Voluntary Separation Incentive Pay. If I take VSIP, when could I retire, so I can get my retirement annuities and Thrift Savings Plan?

A. I’ve never heard of an agency offering a VERA OR a VSIP. Usually, a VERA is offered to a wider range of positions and the VSIP to a narrower one. Anyhow, since you already meet the age and service requirements (age 62 with at least five years of service), you can accept the VSIP and retire.


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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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