Originally Posted by
EWRflyr
I don't know for sure since I am an after the A-plan hire, but I flew with a guy who kind of explained the whole thing to me. He seemed to indicate that after around age 62 and a couple of months it actually hurts a guy to work longer.
There's a point I think where the lump sum may peak, sometime after 60 and before 65, so in that sense it may hurt. However the reason people continue working past that peak is because no matter when you take the lump sum, retiring early instantly stops an annual income stream of $175K or so. That's what most can't afford to give up even if it means some degradation of the A Plan lump sum.