RETIREMENT AGE

I think that the answer to your question would depend on your state as well as the terms of your employment.

Perhaps you could consult the Office of the Governor of your state. They should be able to direct you toward finding your answer.

You absolutely need to speak with your plan administrator; you H.R. representative should be able to put you in touch with the appropriate contact.

Regarding you distributions: Keep in mind that if you are electing to take your pension early the pay out will be less than if you waited until the plan's retirement age.... the plan may not allow you to take early payments at all. Your plan will pay you through annuitized payments; if you are married they should guarantee payments for your spouse if you predecease them. You also may have the option of taking a "lump sum" distribution.