Quick Decision

Your agency may be downsizing and you don't meet the age and service requirements for retirement

Whether or not you may be involuntarily retired should not be a key factor in determining which retirement plan you choose. However, you should be aware of the differences between CSRS and FERS.

If you think you may leave Government service involuntarily and you will not meet the age and service requirements for early voluntary or involuntary retirement, FERS is probably the better choice, as it is in general for those who do not plan to retire from the Federal service. This is especially true if transferring to FERS could give you eligibility for an MRA + 10 retirement, which could allow you to keep your Federal

health and life insurance as a retiree.

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To read more about this:

• Involuntary Retirement and "Early-Out" Retirement
• Minimum Retirement Age