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    <title>PensionMath Blog</title>
    <link>https://pensionmath.com/blog</link>
    <description>Pension math, federal retirement, Social Security strategy, employer pension guides, and state pension system breakdowns.</description>
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    <category>Personal Finance</category>
    <category>Retirement Planning</category>
    <item>
      <title><![CDATA[Police and Fire Pension DROP Calculator: How the Deferred Retirement Option Plan Works]]></title>
      <link>https://pensionmath.com/blog/police-fire-pension-drop-calculator-guide</link>
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      <pubDate>Tue, 05 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[The DROP plan lets police officers and firefighters lock in their pension at retirement age while continuing to work. Here is how DROP accumulations are calculated and whether entering DROP makes financial sense.]]></description>
      <category><![CDATA[Retirement Strategies]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[Verizon Pension Lump Sum 2026: Guide for Management and CWA Employees]]></title>
      <link>https://pensionmath.com/blog/verizon-pension-lump-sum-2026-guide</link>
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      <pubDate>Tue, 05 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[Verizon transferred $7.5 billion in pension obligations to Prudential in 2012. Here is what current and former Verizon employees need to know about their lump sum options and how to calculate their benefit.]]></description>
      <category><![CDATA[Employer Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[Lockheed Martin Pension Lump Sum Guide 2026]]></title>
      <link>https://pensionmath.com/blog/lockheed-martin-pension-lump-sum-guide-2026</link>
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      <pubDate>Tue, 05 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[Lockheed Martin froze its pension for salaried employees in 2020 and transferred obligations to Athene in 2022. Here is how to calculate your frozen lump sum value and decide whether to take it.]]></description>
      <category><![CDATA[Employer Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[AT&T Pension Lump Sum 2026: Should You Take It?]]></title>
      <link>https://pensionmath.com/blog/att-pension-lump-sum-2026-should-you-take-it</link>
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      <pubDate>Tue, 05 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[AT&T management and CWA employees facing a pension decision in 2026. Here is how the lump sum is calculated, what interest rates mean for your payout, and how to run the numbers.]]></description>
      <category><![CDATA[Employer Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[GM Pension Lump Sum 2026: Calculator and Complete Guide]]></title>
      <link>https://pensionmath.com/blog/gm-pension-lump-sum-2026-guide</link>
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      <pubDate>Tue, 05 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[General Motors executed the largest pension transfer in U.S. history in 2012. Here is what GM retirees and deferred vested participants need to know about their lump sum options in 2026.]]></description>
      <category><![CDATA[Employer Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[Ford Pension Lump Sum 2026: What You Need to Know]]></title>
      <link>https://pensionmath.com/blog/ford-pension-lump-sum-2026-what-you-need-to-know</link>
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      <pubDate>Tue, 05 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[Ford offered lump sum windows to salaried retirees in 2012 and 2015. Here is how the Ford pension lump sum calculation works, what 2026 interest rates mean for your benefit, and whether taking the lump sum makes sense.]]></description>
      <category><![CDATA[Employer Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[CalPERS Pension Lump Sum Options in 2026: What California Employees Need to Know]]></title>
      <link>https://pensionmath.com/blog/calpers-pension-lump-sum-options-2026</link>
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      <pubDate>Tue, 05 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[CalPERS does not offer a standard lump sum at retirement, but there are partial lump sum options, contribution refunds, and present value calculations that every California state employee should understand.]]></description>
      <category><![CDATA[State Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[VERA and VSIP 2026: Should Federal Employees Take Early Retirement?]]></title>
      <link>https://pensionmath.com/blog/vera-vsip-2026-should-federal-employees-take-early-retirement</link>
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      <pubDate>Tue, 05 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[DOGE workforce reductions have triggered VERA and VSIP offers across federal agencies in 2026. Here is how to calculate whether taking the buyout makes financial sense for your specific situation.]]></description>
      <category><![CDATA[Federal Retirement]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[Raytheon RTX Pension Lump Sum 2026: Legacy Raytheon, Pratt & Whitney, and Collins Aerospace Pension Calculator]]></title>
      <link>https://pensionmath.com/blog/raytheon-pension-lump-sum-2026</link>
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      <pubDate>Tue, 05 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[RTX administers pension benefits from three legacy companies after the 2020 merger. Here is how to identify which plan covers you, what your lump sum is worth in 2026, and when Raytheon has offered buyout windows.]]></description>
      <category><![CDATA[Employer Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[Northrop Grumman Pension Lump Sum 2026: Pension Calculator for Former Salaried Employees]]></title>
      <link>https://pensionmath.com/blog/northrop-grumman-pension-lump-sum-2026</link>
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      <pubDate>Tue, 05 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[Northrop Grumman froze its salaried pension in 2014 and completed a $1 billion pension risk transfer in 2021. Here is what former salaried employees' benefits are worth at current segment rates.]]></description>
      <category><![CDATA[Employer Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[Texas TRS Pension Calculator 2026: Teacher Retirement System of Texas]]></title>
      <link>https://pensionmath.com/blog/texas-trs-pension-calculator-2026</link>
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      <pubDate>Tue, 05 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[Texas TRS uses a 2.3% multiplier and a partial lump sum option. Here is how to calculate your benefit, who qualifies for PLSO, and what the 80 and 90 point rules mean.]]></description>
      <category><![CDATA[State Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[California STRS Pension Calculator 2026: State Teachers Retirement System]]></title>
      <link>https://pensionmath.com/blog/california-strs-pension-calculator-2026</link>
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      <pubDate>Tue, 05 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[CalSTRS covers 950,000 California teachers with a 2.0-2.4% multiplier depending on tier. Here is how the formula works, what the 2% at 62 reform means, and how to estimate your benefit.]]></description>
      <category><![CDATA[State Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[Ford Pension Lump Sum 2026: Ford General Retirement Plan Calculator]]></title>
      <link>https://pensionmath.com/blog/ford-pension-lump-sum-2026</link>
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      <pubDate>Mon, 04 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[Ford closed salaried pension accruals in 2022. UAW hourly employees retain defined benefit pensions. Here is how Ford calculates lump sums, when the company has offered buyout windows, and what your benefit is worth in 2026.]]></description>
      <category><![CDATA[Employer Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[Verizon Pension Lump Sum 2026: Management Plan Calculator and Prudential Transfer Explained]]></title>
      <link>https://pensionmath.com/blog/verizon-pension-lump-sum-2026</link>
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      <pubDate>Mon, 04 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[Verizon's 2012 lump sum offer was $7.5 billion. The management plan was then largely transferred to Prudential. Here is what remaining management benefits are worth and what CWA employees should know.]]></description>
      <category><![CDATA[Employer Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[IBM Pension Lump Sum 2026: IBM Personal Pension Plan Calculator and Buyout Guide]]></title>
      <link>https://pensionmath.com/blog/ibm-pension-lump-sum-2026</link>
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      <pubDate>Sun, 03 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[IBM froze its pension in 2008 and made headlines in 2023 by partially reversing that decision. If you have pre-2008 IBM benefits, here is what your lump sum is worth at current segment rates.]]></description>
      <category><![CDATA[Employer Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[Lockheed Martin Pension Lump Sum 2026: SERP Calculator and Buyout Analysis]]></title>
      <link>https://pensionmath.com/blog/lockheed-martin-pension-lump-sum-2026</link>
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      <pubDate>Sun, 03 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[Lockheed Martin froze salaried pension accruals January 1, 2016. For long-tenured aerospace engineers and program managers, the SERP benefit can be substantial. Here is what it is worth at 2026 segment rates.]]></description>
      <category><![CDATA[Employer Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[General Motors Pension Lump Sum 2026: GM Salaried Retirement Calculator]]></title>
      <link>https://pensionmath.com/blog/general-motors-pension-lump-sum-2026</link>
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      <pubDate>Sat, 02 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[GM's 2012 lump sum offer was the largest in corporate history. If you have a deferred GM salaried benefit, here's what it's worth at 2026 segment rates and what another window might look like.]]></description>
      <category><![CDATA[Employer Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[GE Pension Lump Sum 2026: General Electric Pension Calculator After the Breakup]]></title>
      <link>https://pensionmath.com/blog/ge-pension-lump-sum-2026</link>
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      <pubDate>Sat, 02 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[GE froze its pension in 2019 and offered a major buyout window in 2021. Now split into three companies, here's how to find your benefit, what it's worth at 2026 rates, and how the breakup affects you.]]></description>
      <category><![CDATA[Employer Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[Boeing Pension Lump Sum 2026: BCPVP Calculator and Buyout Analysis]]></title>
      <link>https://pensionmath.com/blog/boeing-pension-lump-sum-2026</link>
      <guid isPermaLink="true">https://pensionmath.com/blog/boeing-pension-lump-sum-2026</guid>
      <pubDate>Fri, 01 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[Boeing froze pension accruals in 2016. If you held BCPVP benefits through the freeze, here is how the IRS 417(e) math works and what your lump sum is worth at current segment rates.]]></description>
      <category><![CDATA[Employer Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[AT&T Pension Lump Sum 2026: How the AT&T Pension Benefit Plan Calculates Buyouts]]></title>
      <link>https://pensionmath.com/blog/att-pension-lump-sum-2026</link>
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      <pubDate>Fri, 01 May 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[AT&T operates one of the largest private pension plans in the country, covering legacy AT&T, SBC, and BellSouth employees. Here's how lump sums are calculated and what deferred vested participants should know in 2026.]]></description>
      <category><![CDATA[Employer Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[Social Security Survivor Benefits: The Optimal Claiming Strategy]]></title>
      <link>https://pensionmath.com/blog/social-security-survivor-benefits-guide</link>
      <guid isPermaLink="true">https://pensionmath.com/blog/social-security-survivor-benefits-guide</guid>
      <pubDate>Thu, 30 Apr 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[Widows and widowers have more claiming flexibility than almost any other Social Security recipient. Most people leave money on the table by not knowing the rules.]]></description>
      <category><![CDATA[Social Security]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[Which States Don't Tax Pension Income in 2026: Complete 50-State Guide]]></title>
      <link>https://pensionmath.com/blog/which-states-dont-tax-pension-income-2026</link>
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      <pubDate>Mon, 27 Apr 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[Nine states have no income tax. Four more fully exempt pension income. The rest vary widely. Here is the complete breakdown by state so you can plan where to retire.]]></description>
      <category><![CDATA[Retirement Planning]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[Teamsters Pension 2026: Central States Fund, Rescue Plan Payments, and What Members Get]]></title>
      <link>https://pensionmath.com/blog/teamsters-pension-2026-central-states-rescue-plan</link>
      <guid isPermaLink="true">https://pensionmath.com/blog/teamsters-pension-2026-central-states-rescue-plan</guid>
      <pubDate>Mon, 20 Apr 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[The Central States Pension Fund was rescued by the American Rescue Plan in 2021. Benefit cuts have been reversed. Here is what Teamsters members need to know about their pension in 2026.]]></description>
      <category><![CDATA[Employer Pensions]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[What Is a QDRO? How Pensions Are Divided in Divorce]]></title>
      <link>https://pensionmath.com/blog/what-is-a-qdro-pension-division-divorce</link>
      <guid isPermaLink="true">https://pensionmath.com/blog/what-is-a-qdro-pension-division-divorce</guid>
      <pubDate>Sat, 18 Apr 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[A pension earned during a marriage is marital property in most states. A QDRO is the legal instrument that splits it. Here's how it works and what to watch for.]]></description>
      <category><![CDATA[Retirement Planning]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
    </item>
    <item>
      <title><![CDATA[Military Retirement Pay 2026: Legacy High-3 vs Blended Retirement System Calculator]]></title>
      <link>https://pensionmath.com/blog/military-retirement-pay-calculator-2026-legacy-vs-brs</link>
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      <pubDate>Mon, 13 Apr 2026 00:00:00 GMT</pubDate>
      <description><![CDATA[The Legacy system pays 2.5% per year. BRS pays 2.0% but adds TSP matching. For a 20-year service member, the difference is real money. Here is the math.]]></description>
      <category><![CDATA[Retirement Planning]]></category>
      <author>team@pensionmath.com (PensionMath Editorial Team)</author>
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