Quick Decision
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.
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