9. The number of years the employee has been employed by the city is at least 25 years. The sum of the employee's age and number of years employed by the city is at least 90 years. Larry has been employed by the city since his 38th birthday. Assuming he continues to work for the city, at what age will he first qualify for full retirement benefits?
Answer: E
Larry will first qualify for full retirement benefits at age 64.
To qualify for full retirement benefits, Larry must meet the criteria of being employed for at least 25 years and having the sum of his age and years employed be at least 90 years. Given that he has been employed since his 38th birthday, he will reach this milestone at age 64.
A) 52
Choosing age 52 is incorrect because Larry would have only been employed for 14 years at that age, which does not satisfy the requirement of at least 25 years of employment.
B) 55
Selecting age 55 is also incorrect. At 55, Larry would have been employed for only 17 years, falling short of the 25-year requirement necessary for full retirement benefits.
C) 62
Age 62 is not the correct answer since Larry would have been employed for 24 years at that point, which is still one year short of the required 25 years for eligibility.
D) 63
While age 63 is closer, it remains incorrect as Larry would have been employed for 25 years but would not yet meet the total age plus years employed requirement of at least 90 years, as he would only sum to 88.
E) 64
At age 64, Larry will have been employed for 26 years, which satisfies the employment requirement, and the sum of his age (64) and years employed (26) equals 90, fulfilling both criteria necessary for full retirement benefits.
Conclusion
Larry will first qualify for full retirement benefits at age 64, as this is the age at which he meets both the employment duration of at least 25 years and the combined age and employment requirement of 90 years. All other age options fail to meet one or both of the conditions outlined in the question.