Federal Sick Leave Myths Debunked: What Really Counts Toward Retirement

Are you a federal employee sitting on hundreds (or thousands) of sick leave hours? Before you carry that time into retirement, Rayna Reyes has critical information that could impact your financial future.

In this eye-opening episode, Rayna covers:

• Why burning sick leave before retirement puts more money in your pocket
• The 100% vs 1% calculation that changes everything
• A cautionary tale about sick leave NOT counting toward retirement eligibility
• How to strategically schedule preventative health appointments
• The difference between using sick leave as an active employee vs. in retirement
• Important guidance on who should save their sick leave (and who should use it)

Rayna shares real stories, including a federal employee who lost thousands by taking bad advice from another advisor. She breaks down the math: when you use sick leave while employed, you receive 100% of your salary PLUS it still counts in your pension calculation. Take that same leave into retirement? You only get 1-1.1% of your high-three salary.

Key Insight: Schedule those colonoscopies, mammograms, dermatology checks, and wellness visits now. Your sick leave is meant to be used—and using it smartly can significantly boost your retirement income.

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Contact Rayna directly at 850-450-6500
Or call the American Federal Benefits Consultants team at 1-800-872-8857
Visit: AmericanFederal.org

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YouTube: https://www.youtube.com/@RaynaRetirement

Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning.

Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.