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31.4 years in the saddle....what now?
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<blockquote data-quote="UpstateNYUPSer(Ret)" data-source="post: 967221" data-attributes="member: 12570"><p>When you choose the spousal option with your pension the amount you receive will be reduced based upon an actuarial formula based on your age and the number of years that you are expected to live. The reduction may be dramatic. It would be well worth the dime to call the pension office and request an estimate of your projected pension amount, with and without the spousal option, so that you can make an informed decision rather than one based upon an inconvenient lifestyle. </p><p></p><p>I worked nights when I was in the military and I agree that working nights sucks; however, if it were me, I would suck it up until I was eligible for the retiree health insurance coverage before retiring. 5-7 years is not that long in the overall scheme of things.</p><p></p><p>I strongly suggest that you get the pension estimate before making any decision(s). Dave.</p></blockquote><p></p>
[QUOTE="UpstateNYUPSer(Ret), post: 967221, member: 12570"] When you choose the spousal option with your pension the amount you receive will be reduced based upon an actuarial formula based on your age and the number of years that you are expected to live. The reduction may be dramatic. It would be well worth the dime to call the pension office and request an estimate of your projected pension amount, with and without the spousal option, so that you can make an informed decision rather than one based upon an inconvenient lifestyle. I worked nights when I was in the military and I agree that working nights sucks; however, if it were me, I would suck it up until I was eligible for the retiree health insurance coverage before retiring. 5-7 years is not that long in the overall scheme of things. I strongly suggest that you get the pension estimate before making any decision(s). Dave. [/QUOTE]
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31.4 years in the saddle....what now?
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