The 10 years, if I may, is if you are medically released with 10 years, you get an immediate unreduced annuity that is indexed from that point, but you have to have 10 years. If it's less than 10 years and you're not medically released, it's a deferred annuity until age 60, and there are other ways of getting that as well—
On November 28th, 2013. See this statement in context.