Phased retirement


Q. I am 59 years old with 38 years in CSRS. I am planning to retire next year, but I am concerned about what changes Obama may make to CSRS now that he has been re-elected. Also, I am wondering what the guidelines are for phased retirement?

Although there is no way to predict what a president might do, it’s not something you need to worry about. You are already eligible to retire and could do so before any change became effective. To find out more about phased retirement, go to


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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