Q: I have six years of military service before I entered government service, and I have six years under FERS. I am 6C law enforcement with cover of 1.7 percent a year. Can I retire with 20 years of service, combining all those years, and defer my retirement without reaching my MRA? Can I retire with 20 years of service, combining all those years, and defer my retirement without reaching my MRA? Can I take a deferred retirement after 20 years plus a day and start collecting when I am 60 without been penalized 5 percent for every year that…