A judge extended a freeze on President Donald Trump’s buyout offer to federal civilian employees in a hearing Monday, after pushing back last week’s deadline for more than 2 million employees to decide whether to take resignation packages with pay through September—part of Trump and billionaire Elon Musk’s bid to shrink the federal workforce.

Federal workers have a constellation of retirement benefits, and assessing them can get complicated fast. Here are five high-stakes decisions to focus on.

As part of President Donald Trump's efforts to trim government spending, the Office of Personnel Management recently offered more than two million federal employees full pay and benefits