[Deferred Resignation] Part 4: Employees Who Qualify for MRA+10

[Federal Employees]
⭐ProFeds Founder, Chris Kowalik, discusses how the Deferred Resignation applies to federal employees who have met their Minimum Retirement Age, but don’t have the years of service necessary to be fully-eligible to retire.
KEY TAKEAWAYS:
▶️Who qualifies for an MRA+10 retirement
▶️What effect does this have on your pension
▶️How can you avoid penalties to your pension
▶️How are other benefits like FEHB, FEGLI, the Supplement & TSP affected
Additional resources:
✅Link to OPM announcement: OPM.gov/fork
✅Link to OPM FAQs: OPM.gov/fork/faq
✅Local workshop locations and dates: FedImpact.com/attend
✅To be introduced to a local financial professional: FedImpact.com/request-to-meet

[@ellenmcmaster8628]

Thank you so very much for making these videos. It has been very helpful and informative to help make a more educated decision regarding the deferred resignation offer.

[@fedimpact-profeds]

You are so welcome!

[@LAXAMAND]

This is exactly what I was looking for to solidify my decision to accept the offer. I'm currently eligible for the MRA +10. I wasn't planning on retiring until summer next year but I guess this offer just accelerated it by about 8-10 months. Much appreciated the invaluable info you've shared!!!

[@swhmetta]

This is so confusing/stressful. My MRA +10 date is January 30, 2026. I have 280 annual leave hrs and 438 sick by EOY. IF I were to accept deferred resignation, is there any way I can use my leave hours to get me to that date? I am hearing they "may" extend offers for retirement out to Dec 31, 2025. I would be a month short unless I can use leave. Any thoughts? Also, here is a thought...my dad has alzheimers..(reason for considering the offer) - what about the 12 weeks of FMLA from Sept to Dec - then annual for Jan???

[@DBFRESH1]

I reached my mra and turn 62 in Dec. I am not confident that they will honor the extended wording in the FAQs. Question; Is the 5% penalty prorated, Sept 30-Dec 30 = 3 months or 1.25% penalty .
Thanks

[@gmanblue2026]

What if I reach eligibility at 60/20 in December? Do I need to take the MRA + 10, or is the deferred resignation offer automatically extended to my date of eligibility for a full, immediate retirement?

[@brettbonifay9620]

Retired Navy with 22yrs 8 months military service (so not concerned with FEHB since i have TRICARE). Current Federal employee (GS15), and was planning to retire on 31 Dec 2025 under MRA +10. I am past my MRA date (will be 59 1/2 on planned retirement date), and will have 14 yrs 3 month of Federal Service at retirement date. I understand that I will have a reduce pension by 15% of my high 3. Other than my moral obligation/feeling I have to my teammates to keep working, why wouldn’t I take the deferred resignation & retirement and take my wife on a vacation while still getting paid? Thank you

[@bjornegan6421]

what I don't understand is why this offer is as it is, being purposefully vague and time-sensitive. those types of antics are usually not indicative of honesty. it's quite unacceptable and i am left wondering why they are choosing to do it this way, what is in store for those who accept and those who do not.

[@Melifter]

The entire initiative is rushed and requires employees to make a life changing decision in just a few days; and, what’s more concerning is that employees are being asked to make a life-changing decision based on what appears to be having less than all of the facts. That is an absolute no-no in any field that would fall under the category of being a decision-making position. I’m a GS-13 and know only enough to leave this be. It’s neither sound and nor does it have the consensus of those senior executive managers at the most top-tier levels of government.

[@jameskarl7152]

Is there a cost to get help from you?

[@sandyhoversten1590]

So is I have reached my MRA + more than 20 years, I would be eligible for my pension when I reach the age of 60 on 11/28/2025 and would receive my FULL pension at 60 with no penalty?

[@CanesFan65]

So....If I understand this.....Then If You are currently eligible for an MRA+10 Retirement Meaning you have at least 10 years and reached your MRA.....then you can RESIGN under this Fork In The Road Program and still Postpone applying for your retirement until you reach 62 years old so that you do not incur the 5% per year penalty. So essentially this is actually GOOD because you can RESIGN Immediately and still collect your pay thru Sep 30th.......then wait till age 62 to apply for your unreduced pension. The only thing that could be affected negatively is FEHB or FEGLI but if you are retired Military (as many Feds are) and have Tricare then FEHB should not be an issue anyway. So where is the downside? Do I have this correct? I was planning to EXIT prior to 20 years anyway because it's just not worth the extra $100/month to continue working that 1 additional year to get to 20 years.

[@jennifermayo8293]

I guess the downside is you won't have a salary, you won't have FEGLI, and you won't be able to make any additional contributions to the TSP. If those things are not a concern, then it's probably a good deal.