Originally Posted by Check Essential

That is correct. Its no problem if someone wants to retire at the last possible moment before DCC. You can retire any time you want.
The problem arises if someone tries to game the sick leave system in order to collect equity and also go out with the lower medical premiums.
Going out sick on DCC -1 and then retiring on DCC +1 would certainly get the company's attention.
Delta has some recent history along those lines. They went hard after some pilots who tried to defraud our retirement plan using phony divorces. The company won.