Federal / Public Buyout Decision Engine

Current Position

Current Annual Salary ($)

Years of Service

Current Age

Retirement System

Normal Retirement Age (for full pension)

Severance / VSIP Amount ($) Federal VSIP is capped at $25K; state programs vary

Continued Health Coverage (months) FEHB continues on severance pay; COBRA or retirement FEHB after

Marginal Tax Rate (ordinary income)

Estimated Monthly Health Premium If Not Covered ($) ACA marketplace or COBRA cost to benchmark the health bridge value

Pension Reduction from Early Exit (%) Estimated % reduction from leaving before normal retirement age

Private Sector Offer — Low ($)

Private Sector Offer — Base ($)

Private Sector Offer — High ($)

Expected Job Search Duration (months)

How Many More Years Would You Stay If Not Taking Buyout?

Buyout Decision

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Net buyout after tax

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Health coverage bridge value

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Est. pension cost of leaving early

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Income lost during search

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5-yr net gain/loss (base scenario)

Year	Stay: Total Comp	Exit (Low offer)	Exit (Base offer)	Exit (High offer)

Item	Staying	Taking Buyout	Difference

Financial factors only. Personal job satisfaction and career trajectory are outside this model.

Overall score:

Inbound: Severance+UI Timing (AL-143) · Downstream: COBRA/ACA Optimizer (AL-141), Career ROI (AL-120)