Скачать или смотреть Deferred Retirement: Leaving Before Eligibility (Annuity at 62 + Losing FEHB/FEGLI) | Episode 6

Not everyone leaves federal service at a clean “retirement” moment. Sometimes people are simply ready to go — burned out, changing careers, or taking a contractor opportunity — but they haven’t reached eligibility to retire yet.

In Episode 6, we explain Deferred Retirement: what happens when you separate from federal service before you’re eligible for an immediate annuity, when you can start your pension, and the big tradeoff with federal benefits.

In this video, you’ll learn:

What it means to separate before retirement eligibility

Why you must defer your first annuity when you haven’t met the eligibility requirements

How starting at age 62 works for deferred retirement (when you can claim your first annuity)

What numbers are used to calculate it: your high-3 and creditable years of service at separation

Why later pay raises/grade increases don’t count after you’ve left service

The major downside: you cannot reinstate FEHB or FEGLI when you come back at 62 to claim your annuity (because you separated before being eligible)

✅ Want help understanding your options before you make a “leave service” decision?
https://www.yourgerbc.com/

Disclosure: This content is for educational purposes only. GERBC is not affiliated with or endorsed by the U.S. federal government or any agency.

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