Key Takeaways
Special category retirement provisions allow certain public sector employees to retire earlier than standard FERS rules without major benefit reductions.Understanding eligibility, a…
How Early Retirement Penalties Can Quietly Drain More Than Just Your Lifetime Savings and Annuities
Key Takeaways
Retiring early under public sector retirement systems often brings financial penalties that reduce both your immediate and lifetime income streams.Beyond the numbers, early retireme…
FEGLI Premium Jumps That Shock Retirees Once They Cross Age 65 and See the Real Numbers
Key Takeaways
FEGLI premiums rise steeply after age 65, and many retirees only realize the financial impact when the new rates hit.Understanding your options early can help you balance cost, cove…
How the Gradual Decline of CSRS Continues to Shape Retirement Outcomes for the Few Still Eligible
Key Takeaways
CSRS continues to shape retirement outcomes for a small group of public sector retirees, even though it was closed to new hires in 1984.The system’s decline highlights contras…
Retirement Advice Public Employees Tend to Ignore Until They’re Already Facing Irreversible Decisions at 62
Key Takeaways
Many public employees underestimate how quickly retirement decisions at age 62 become permanent, leaving little room to adjust benefits later.Planning ahead for pension elections,
Public Sector Retirement Advice That Holds Up Regardless of Market Shifts or Political Budget Negotiations
Key Takeaways
Retirement planning for public sector employees requires consistent strategies t…