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FERS Retirement Benefits

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Does it Really Make Financial Sense to Work Another Year?

Does it make financial sense for a federal employee to work another year? Brad runs the household numbers: pension, TSP, market risk and debt.
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Early Retirement Options for FERS Employees

Your FERS early retirement options compared: SCE/LEO, MRA+30, MRA+10, postponed, deferred and VERA, with the benefits and TSP rules for each.
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What Difference Will One More Year of Federal Service Make for FERS Retirement?

What one more year of federal service adds to your FERS annuity: the 1% and 1.1% math, the MRA+10 reduction, high-3, sick leave and current TSP limits.

What You Need to Know About VERA / VSIP and Discontinued Service Retirement (DSR)

VERA, VSIP buyouts and DSR explained for federal employees: who qualifies, what you keep, the $25,000 cap, and who should take an early out.
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Get Ready for Retirement Now

How federal employees can tell if they are ready to retire: estimate expenses, add up FERS, Social Security and TSP income, and plan your time.
The FERS Survivor Annuity is Expensive

Is the FERS Survivor Annuity Expensive?

A fed told me the survivor annuity costs too much and he'd invest the $550 instead. Here's the math on why that's harder than it sounds.
FERS Annuity COLA

FERS Annuity COLA: How It Works and Current Rates

How the FERS COLA is calculated, who gets it and when, and why it lags inflation, with the latest FERS COLA rates.
Retiring This Year? Here is a PreRetirement Checklist

Retiring This Year? Here is a Pre-Retirement Checklist

A pre-retirement checklist for federal employees: OPM's online application, TSP and Roth moves, FEHB/PSHB, Medicare and more.
Evaluating a LEO or ATC Contract Position

Evaluating a LEO or ATC Contract Position

Should a LEO or ATC retire early for a contract job? Weigh retirement eligibility, the financial math, job stability and whether you really want it.
Benefits Decisions at FERS Retirement

Benefits Decisions at FERS Retirement: Date, FEGLI, Survivor Annuity and TSP

The key decisions on your FERS retirement paperwork: your retirement date, FEGLI, the survivor annuity and what to do with your TSP.