Q. I have 21 years in with the Postal Service and will be eligible to retire in four years at age 60 with no penalty. If an early-out is offered, how much money would I be losing in my pension either monthly or yearly by taking it rather than waiting out the four years?
A. Because you are a FERS employee, each year of your service adds 1 percent to your annuity. If you leave four years early, your annuity would be 4 percent less than it would be if you stayed on the job for those four years.