Q. I am a 45-year-old 1811 with 19 years 6(c) and one year as an immigration inspector prior to them being covered. I also have four years in the military. When I reach 20 years 6(c) (25 years total government time) at the age of 46, will I be eligible to retire and collect right away?
A. No. You would have to have 25 years of actual 6(c) service to retire on an immediate annuity.