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Is there a difference between separation and retirement? Yes. Separation simply means leaving UC employment. Retirement is your election to receive income from UC's Retirement Plan.
Yes, any date you choose. The date that you choose as your retirement date (or the effective date for your retirement) is actually your last day as an employee. Your retirement date/effective date of retirement are the same thing: your last day on the rolls as a federal employee.
If you are a FEES employee, you have to retire no later than the last day of a month if you want to be on the annuity roll in the following month. In other words, you'd have to retire no later than December 31, 2019, to be on the annuity roll on January 1, 2020.
Although this, too, is a beginning-of-year retirement benefit, you can also achieve this benefit with an end-of-year retirement, but the difference is that, with a beginning-of-the-year retirement you'll likely have more annual leave hours that get compensated at the higher hourly rate.
For example, if you decide to retire on Jan. 17, 2020, your salary will be paid through close of business that day, and you would accrue annual and sick leave for the first leave period of 2020. Your first retirement check will be paid for the month of February and will be dated March 1. If you chose to retire on Jan.
If you leave your Government job before becoming eligible for retirement: you can ask that your retirement contributions be returned to you in a lump sum payment, or. if you have at least five years of creditable service, you can wait until you are at retirement age to apply for monthly retirement benefit payments.
Regular (Immediate) Retirement Under FEES, an employee who meets one of the following age and service requirements is entitled to an immediate retirement benefit: age 62 with five years of service, 60 with 20, minimum retirement age (MRA) with 30 or MRA with 10 (but with reduced benefits).
Immediate Retirement If you retire at the MRA with at least 10, but less than 30 years of service, your benefit will be reduced by 5 percent a year for each year you are under 62, unless you have 20 years of service and your benefit starts when you reach age 60 or later.

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