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1. Makes level requirement for retirement lower
2. Lowers level cap - I could be wrong
Curiously, now that there are special perks associated with social credit levels, this can result in you being unable to get certain perks during that playthrough, as the social credit level it's tied to won't exist. This is useful for people who don't want to play with the "entering your apartment removes basic debuffs" perk or similar.
I don't know if i'll have another murder cases afterward. But i'm still able to complete small jobs.
You need to collect and fill out the retirement form from city hall in order to complete your retirement, which does end the game for that save.
However, you're allowed to play for as long as you like without retiring, and everything (including murders) will progress just as before.