If she's a fed, she doesn't "lose" her pension. If she doesn't have age plus time-in-service for an immediate annuity, she can claim a deferred retirement. Just make sure when opm sends her a letter asking her if she wants to pull out her contributions that she doesn't. When she's ready to draw her annuity, file the application for it. Forms and FAQs are at opm.gov.
If she's a fed, she doesn't "lose" her pension. If she doesn't have age plus time-in-service for an immediate annuity, she can claim a deferred retirement. Just make sure when opm sends her a letter asking her if she wants to pull out her contributions that she doesn't. When she's ready to draw her annuity, file the application for it. Forms and FAQs are at opm.gov.