What should you ask HR before accepting an early retirement offer? Start with one critical question: Will your retirement be classified as immediate, postponed, or deferred?
That answer determines when your pension payments begin and when certain federal retirement benefits may become available. It can also reveal whether starting your pension early will result in a permanent reduction to your monthly benefit.
Do not assume that leaving your job under an early retirement offer means your pension and benefits will begin immediately. Ask HR to explain your retirement classification, pension start date, benefit eligibility, and any permanent reductions in writing before you accept the offer.
Federal retirement rules depend on your age, years of service, retirement system, and offer terms. Consider having a qualified federal retirement professional review the details before making your decision.
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