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What the plan administrator told you cannot be right. First, did your husband retire, or just leave? If he's got 30 years to go he is maybe 40?? If that is the case, how much service can he have? 15 or 20 years? Most retirement plans subtract based on age. Even if you are in fact eligible for early retirement, they hit you with 5% a year. There was a case at our place where a man aged 48 or something but with 20 years service or something, could retire early with 5% of what he'd get at 65.

For those with little service, you can often walk off with a lump sum.

I've forgotten about vesting, you'll have to do your research on that.

I really think you want to ask again. Be rude. Insist on talking to a boss. Write everything down, especially names, and make sure there is a lawsuit threatening in the background (even if that is not true).
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