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.
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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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