Retiring early.
MRA+10 and its penalty, postponed vs deferred, VERA/VSIP early-outs, phased retirement, and disability retirement.
Every guide in this cluster
FERS MRA+10 Early Retirement: The 5% Penalty & How to Beat It (2026)
The 5%-per-year reduction under 62, the lost FERS supplement, and how postponing your annuity erases the penalty and restores FEHB — with a comparison tool.
Postponed vs Deferred FERS Retirement: The FEHB Split
The MRA+10 choice that decides whether you keep FEHB for life — the age reductions, the 5% penalty, and the reinstatement rules — with a side-by-side comparison.
VERA and VSIP: The Federal Early-Out Decision
Who qualifies for early retirement, how the $25K buyout is taxed, the FERS supplement timing, and the re-employment trap — with an early-out decision calculator.
Federal Phased Retirement: Half Salary, Half Annuity, Full Glide Path (2026)
Phased retirement lets eligible feds work half-time while drawing half their annuity. Eligibility, the mentoring rule, the composite annuity, and a calculator.
FERS Disability Retirement: When and How to Apply in 2026
The five eligibility tests, the SF-3112 forms, the 60/40 benefit math, the SSDI offset, and the age 62 conversion. With a two-phase disability calculator.
Discontinued Service Retirement (DSR): Your Pension If You’re RIF’d
Involuntarily separated at 50 with 20 years, or any age with 25? DSR pays an immediate annuity with no FERS age reduction, plus lifetime FEHB. Eligibility, the traps, and a calculator.
Deferred Resignation & Buyouts: DRP, VERA, and VSIP Compared
Three different tools with very different outcomes. What each is, how they interact with your pension, FEHB, TSP, and the supplement — plus a package-value calculator.
Stacking FERS Disability, SSDI & VA Compensation
You can collect all three at once — but only FERS is offset (60%−100% of SSDI year 1, 40%−60% after). VA stacks free and tax-free. Why the offset still leaves you ahead, plus a three-benefit calculator.
Back to the full pillar
This is one cluster of the FERS & CSRS pillar. Explore your pension, retirement timing, retiring early, survivor decisions, service credit, and special situations in the full pillar.
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