U.S. Office of Personnel Management
FERS Election Opportunities

You are a long-service employee who is at or near maximum CSRS benefits, so you would like a way to continue to increase your retirement benefit

FERS can provide more valuable benefits to those who plan to work until later ages, that is, age 65 or beyond. You will continue to receive Government contributions to your TSP account and until you withdraw it, earnings will continue to compound.

In addition, you continue adding to your basic benefit. Under CSRS, your annuity is limited to 80% of your high-3, (about 42 years of service). FERS does not have this cap.

To read more about this:
Choosing Based on When You Expect to Retire

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Updated 26 May 1998