Pete, I am currently facing a similiar situation. I have more than enough time in both career and volunteer persion plans to retire. I still have 1 year+ remaining on my EMT-P and find myself dealing with a lot of issues related to retirement and dropping certification back to EMT-B. I still like my job, EMS Operations Supervisor / Special Ops Commander, and enjoy serving on the (volunteer)Heavy Rescue company. The more I contemplate retirement, the more distasteful the thought becomes. I wish I could provide support and encouragement to help with your problem, however I gotta fix my own. Good Luck and Best Wishes with your problem, I share your pain.

Scott, Tactical EMT-P
Rescue Specialist/Instructor