All relevent EK benefits apply depending on length of service 15 yrs or 10 and within 10 of your normal retirement age (60 if DOJ before Feb 07 from memory, 65 after). If you leave meeting the 15 year requirement then the OAL kicks in AT your NRA e.g. leave at 53-EK benefits only until 60, then EK and OAL. Your kids able to use EK benefits until their 23rd birthday.