The "returntowork" laws do not restrict you from gaining employment in general. Early Retirement (Reduced Benefits)​​ You may retire early with a reduced benefit after: you reach age 50 and complete 20 years of creditable service, or.You can complete an application for retirement up to 120 days before your planned retirement date. By state law, your application cannot be submitted more than 120 days prior to your effective retirement date. Mecklenburg County offers a competitive benefits package to eligible employees and their eligible dependents. From healthcare to paid holidays and vacation. Health and wellness, retirement and pension plans, time-off and leave, work-life balance and more! You can get Social Security retirement or survivors benefits and work at the same time. But, if you're younger than full retirement age, and earn more. At age 65 with 5 years of service.