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Service Retirement (Unreduced Benefits)you reach age 60 and complete 25 years of creditable service, or. you complete 30 years of creditable service, at any age.
You may be subject to a 10% tax penalty for early withdrawal, in addition to any federal and state income tax on the withdrawal. The IRS charges a 10% penalty on withdrawals from qualified retirement plans before you reach age 59 ½, with certain exceptions.
Members should fill out and submit Form 5 (Withdrawing Your Retirement Service Credit and Contributions) to the Retirement Systems Division. After your Form 5 is processed, you will receive a paper check by mail unless you request that your contributions be rolled into another type of eligible retirement account.
Attend a Retirement Planning Conference or schedule a one-on-one virtual appointment; take the time to create a Custom Benefit Estimate (in your ORBIT account), and. click Apply for Retirement Online in the left menu bar to start your application (120 days from your retirement date).
You can apply up to four months before you want your retirement benefits to start. For example, if you turn 62 on December 2, you can start your benefits as early as December. If you want your benefits to start in December, you can apply in August.