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Federal Retirement Guides
Plain answers to complex retirement questions
Accurate, jargon-free guides on FERS pension, TSP strategy, the MRA+10 reduction, the FERS Supplement, and everything federal employees need to retire with confidence.
When to Claim Social Security as a FERS Employee: 62, 67, or 70?
The breakeven math between claiming early and waiting is well known. What most guides miss is how the FERS Supplement, your pension, and your TSP interact with your Social Security claiming decision.
The FERS Supplement: Your Bridge Income Before Social Security
If you retire before 62 under immediate full retirement, OPM pays you a monthly supplement approximating your Social Security benefit. Here's how it's calculated, who qualifies, and when it stops.
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