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Many DHS employees focus on when they can retire—but overlook the retirement elections that quietly shape income for life. Once OPM finalizes your retirement file, key choices like survivor benefits, default elections, and payment timing often become permanent. This video explains which DHS retirement elections matter most and why reviewing them before filing is critical. This content is for educational purposes only and is not legal, tax, or individualized financial advice. DHS retirement benefits are governed by federal law and administered by OPM, TSP, and the Social Security Administration. Individual outcomes vary based on service history, elections, and time