After you retire, you must wait at least 45 days before accepting employment with any participating employer. Five years of full time ORP service is required for retirement.There is no set retirement age. This section provides rules and examples for both normal and early retirement. Service retirement can be effective upon either age eligibility plus 10 years of CS, or completion of CS years regardless of age. If you are 65 or older or totally disabled (or your spouse is totally disabled), you may qualify for Maryland's maximum pension exclusion. This presentation briefly overviews the retirement process and what to expect. Full retirement benefits are available at either age 50 or upon reaching 25 years of eligibility service. There is no early retirement benefit.