Q. I am a retiree from the military after 20-plus years. As a civilian, I plan to work in the federal government. What is the federal government’s vested time? What is the early (minimum) retirement time — i.e., service time and age? A. You would need to work for five year to be vested in the retirement system. The age and service requirements to retire are: 62 and five, 60 and 20, at your MRA (minimum retirement age) with 30 or at your MRA+10, but with a 5 percent reduction in your annuity for every year you were younger than…