Changes

*MRA, 10 years of service (but if having less than 30 years of service, the annuity is permanently reduced by 5/12 of 1% for each month the employee is under age 62, unless at retirement the employee has 20 years of service and agrees to defer the annuity until age 60)

*MRA, 10 years of service (but if having less than 30 years of service, the annuity is permanently reduced by 5/12 of 1% for each month the employee is under age 62, unless at retirement the employee has 20 years of service and agrees to defer the annuity until age 60)

Certain employees facing involuntary separation, or "reductions in force" (RIF, or a layoff in the private sector) may be eligible for early retirement at either age 50 with 20 years service, or any age (not MRA) with 25 years.  Also, disability retirement is potentially available for certain employees who due to illness or injury cannot meet the requirements of their position, the employee must have 18 months service and the agency must certify that the employee cannot be accommodated in his/her current position and was considered for other jobs (at the same grade/pay level) in the commuting area, but could not be placed in them.

Certain employees facing involuntary separation<ref>The separation cannot be for misconduct or poor performance.</ref>, or "reductions in force" (RIF, or a layoff in the private sector) may be eligible for early retirement at either age 50 with 20 years service, or any age (not MRA) with 25 years.  Also, disability retirement is potentially available for certain employees who due to illness or injury cannot meet the requirements of their position, the employee must have 18 months service and the agency must certify that the employee cannot be accommodated in his/her current position and was considered for other jobs (at the same grade/pay level) in the commuting area, but could not be placed in them.

===Annuity Calculation===

===Annuity Calculation===