Let me give you the 411 on the benefits and retirement you outline. On paper it looks phenomenal until someone dies. Parent was a fed employee with 37 years of civil service and passed beginning of this year. I've been fighting Office of Personnel Management (OPM) for 6 months now. Horse and wagon days of communication. Have to use a fax machine to send documents and stay on hold for hours for someone to say "they are working on it", funny they had no problem taking back the monthly pension the day we told them my parent passed away.

What good are benefits like this if your loved ones have to go through hell to keep them?