The information provided in this guide is based on the Florida. Retirement System (FRS) Pension Plan laws and rules in existence as of July 2024.I plan on retiring in June. What do I have to do and when? For early retirement and to receive a reduced monthly benefit, you must have at least 6 years of service at any age. You may retire early, that is, before your normal retirement age if you are vested and within 20 years of your normal retirement age. The special rule lets us pay a full Social Security check for any whole month we consider you retired, regardless of your yearly earnings. The normal retirement age is 62 or 65, depending on when they were hired. However, if you are younger than full retirement age and make more than the yearly earnings limit, we will reduce your benefits. Don't return to employment after retiring from the Florida Retirement System until you read this booklet.