Plain-English retirement guides
Short answers to the questions public employees ask most as retirement gets close. Each guide links to the official rules and to a tool that runs the numbers for you.
Oregon PERS
When can I retire from Oregon PERS?
Earliest and full-benefit ages for every group, and what retiring early costs.
Read the guide Oregon PERSTier One, Tier Two and OPSRP: what's the difference?
Formulas, retirement ages, Money Match and the IAP, side by side.
Read the guide Federal FERSWhen can I retire under FERS?
Minimum Retirement Age, MRA+30, 60 with 20, 62 with 5, and MRA+10.
Read the guide Social SecurityWhen should I start Social Security?
What you get at 62, at full retirement age and at 70, and how it affects your spouse.
Read the guide Social SecurityDoes my government pension lower my Social Security?
The Social Security Fairness Act ended WEP and GPO. Here's what that means.
Read the guide Health careHow do I get health insurance if I retire before 65?
FEHB, PERS retiree plans, COBRA, a spouse's plan and HealthCare.gov, and the Medicare penalty to avoid.
Read the guide ChecklistRetirement countdown checklist
Every step and deadline, from checking your records three years out to signing up for Medicare.
Open the checklist