Q. I am 57 and have 27 years of service as a FERS employee with the Interior Department. I am in an RIF situation and would like to know my options. It appears, because of my age, that I am eligible for an immediate annuity. Will my annuity be reduced because of my age and my being three years short of 30 years of service? A. Yes, you will be eligible to retire, and you won’t be penalized because you are short of the 30 years of service normally required for an immediate, unreduced annuity.