yes it is nice. For me it was like 14 grand on a good one 7 on a bad one. threw a bunch of it into TSP on both side thankfully lived off it after I got sick for 5 years. I got screwed hard on that could not collect anything being undiagnosed. Crazy. Thank god I was smart enough to buy disability insurance. was cheap also paid 3K a month for 3 years. would have lost it all without it.