We can retire at 20 years of service at 50% regardless of age, which means you could retire at age 41 if you came on at age 21 like I did. It used to be 20 years of service with a minimum of age 46, but we got that changed in Frankfort about 5 years ago. After year 20 it goes up 2.5% per additional year of service to 40 years of service at 100%. Most people retire in the 25- 30 year range. As for health insurance, each of us receives a $520 monthly benefit that goes towards our plan. We have three