Q. At what point would I be eligible to receive a retirement if I ended my career at age 47 with 18 years, six months and about 15 days of creditable time as a federal employee? What portion of that will my ex-wife get if I continue to work beyond that time as a federal employee (more years added), especially if there is no eligibility for 18 years?
A. You would be able to apply for a deferred retirement at your minimum retirement age. If you are 47 now, that would be 56 and 4 months. However, your annuity would be reduced by 5 percent ffor every year you are under age 62. We aren’t able to answer questions about divorce settlements. You’ll have to consult an attorney.