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 CSRS Retirement
 Overview - CSRS
 Eligibility - CSRS
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 FERS Retirement
 Overview - FERS
 Eligibility - FERS
 Creditable Service -FERS
 Thrift Savings Plan
 Thrift Savings -Overview
 TSP Investment Choices
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 Access Your TSP Account
 Insurance
 FEGLI - Life Insurance
 FEHB - Health Benefits
 Medicare

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Your Guide to FERS and CSRS
Federal Retirement Planning

Featured Resources
CHECKLIST: Your Survivor's "Peace of Mind"
Have you provided your survivors with the critical details they will need when you pass away? Use this checklist to make sure your survivors have peace of mind. . . . more

VIDEO: Retirement Planning Tips and Trends for Baby Boomers
View online videos (free): a two-part documentary from PBS that explores the many challenges and opportunities faced by the 78 million Baby Boomers who are now heading into retirement . . . more

FEHB and Medicare: How They Work Together for Federal Employees
A brief overview of how the Federal Employees Health Benefits (FEHB) Plan and Medicare work together. Includes a handy FEHB and Medicare primary payer reference chart. . . . more

Retirement Relocation Tools: Taxes, Community Comparisons and More
Several useful websites that will help you examine the "best fit" location for your desired retirement lifestyle. . . . more

2008 Federal Pay Tables General Schedule and Locality Charts
2008 federal employee pay raise tables and locality charts are now available . . . more

Which Thrift Savings Plan Withdrawal Method Is Best? (Free Video Gives Pros and Cons)
By far, the most popular is the monthly payment option. This free online video illustrates the pros and cons of the three different TSP monthly withdrawal options. . . . more


Recent Articles
TSP Funds Annual and Monthly Returns (May 1, 2008)
Latest Thrift Savings Plan returns . . . more

Final Ruling: No More TSP Frequent Trading
Day traders and market timers are a thing of the past -- at least when it comes to the Thrift Savings Plan. The Federal Retirement Thrift Investment Board officially published its amended interfund transfer (IFT) regulations today to limit the number of interfund transfer requests to two per calendar month. . . . more

2008 Survey: Americans' Confidence in Comfortable Retirement Lowest in 7 Years, Health Costs a Big Concern
Americans' confidence in their ability to afford a comfortable retirement has dropped to its lowest level in seven years, reflecting worries about health costs, the economy, and home values . . . more

Proposed Bill Offers Up to $10,000 Cash-Out for Unused FERS Sick Leave At Retirement
The bill would compensate FERS-covered employees at retirement for unused sick leave based on a formula that would take salary and total hours of sick leave into account. Taka a look at what the real cash-out could be for a federal employee. . . . more

How (and Why) You Should Review and Update Your Beneficiary Designations
Not updating your designation of beneficiaries to your federal employee benefits could result in unfortunate financial situations and possible legal disputes for your survivors down the road. This article includes s directory of beneficiary designation forms you need for your CSRS or FERS annuity, TSP and FEGLI . . . more


News & Commentary
5 Mistakes That Will Sink Your Retirement
With distractions like a turbulent stock market and a shaky economy, it's easy to take your eye off the ball and forget your ultimate financial goals. Here is a look at five retirement planning mistakes you absolutely need to avoid. (Note: While this article discusses private sector 401(k)'s, it is noteworthy since 401(k)'s are similar to the federal employee Thrift Savings Plan) . . . . more

Retiree COLA Gets Sweeter
The amount of the 2009 COLA, which is automatic, will be higher if living costs continue to increase between now and the end of September. The COLA countdown measures the rise in inflation from the third quarter of 2008 over the third quarter of the previous year . . . . more

Americans Delay Retirement As Housing, Stocks Swoon
As the falling real-estate and stock markets erode their savings, many aging Americans are delaying retirement, electing labor over leisure in uncertain times . . . . more

6 Blunders That Ruin Retirement Plans
Securing a comfortable retirement is a tricky process that requires careful planning; a few bad moves can cost you dearly in the long run. Here are six common missteps. . . . more


Medicare: Basic Information and Considerations for Federal Employees
Medicare is the health insurance program for people age 65 or older, certain people with disabilities who are under 65, and people of any age who have permanent kidney failure. It provides basic protection against the cost of health care, but it doesn't cover all medical or the cost of most long-term care. . . . more
2008 Thrift Savings Plan Contribution Limits
For 2008, the IRS permits you to contribute up to $15,500 in tax-deferred money to the Thrift Savings Plan (TSP). . . . more
FERS Retirement Eligibility: Regular Employees
Types of FERS Retirements - Regular Employees . . . more
FEHB Benefits and Cost for Retirees and Annuitants
As an annuitant, you are entitled to the same FEHB benefits and government contribution as non-Postal active employees enrolled in the same plan.  Your share of the enrollment cost also cont . . . more
FEGLI - Basic Insurance
Cost of FEGLI Basic Insurance  The cost of Basic insurance is shared between you and the Government. You pay two-thirds of the cost, and the federal government pays one-third. Your age does n . . . more
Thrift Savings Withdrawal Options After Leaving Federal Service
What do I need to know before making a withdrawal from my TSP account? You are eligible to withdraw your account when you separate from federal service.  You can also leave all or a portio . . . more

FERS Retirement Eligibility: Law Enforcement, Officers, Firefighter, Air Traffic Controller
Types of Retirement for Special Provision Employees: Law Enforcement Officers, Firefighters,and Air Traffic Controller . . . more
Eligibility for FEHB Health Benefits After Retirement
When you retire, you are eligible to continue Federal Employees Health Benefits (FEHB)coverage if you meet all of the following requirements: you are entitled to retire on an immediate ann . . . more
FEGLI Option A - Standard
FEGLI Option A Life Insurance coverage for a federal employee is $10,000. Effective January 2003, the biweekly cost of Option A coverage is: . . . more
Thrift Savings Plan Contributions: Basic Rules
Basic rules for contributing to your Thrift Savings Plan account.  (Please note any difference between CSRS and FERS employees.) If you are a FERS employee: You can elect to contribute to . . . more
Agency Contributions to Thrift Savings Plan for FERS Employees (Automatic 1% and Matching)
Table showing the percent of basic pay contributed to TSP from agency (FERS employees only) . . . more
FERS: Military Service Credit (Military Service "Buy-Back")
As a general rule, all honorable active duty military service is potentially creditable under FERS. Exceptions: Employees in receipt of military retired pay rec . . . more
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