July 05, 2019 14:16 Updated Follow No. The DROP is just a new benefit option within the existing retirement plan. Related articles What is the DROP? Can I change my mind while in the DROP and decide to retire earlier than or later than the retirement date I elected at the time I entered the DROP? I hear there are fees on certain accounts – why? What happens if I become disabled while I am in the DROP? How do I choose a retirement date?