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Federal retirement library

Federal Retirement Guides

Clear, practical guidance for planning your FERS retirement—from pension and healthcare decisions to TSP withdrawals, Social Security, and the OPM process after you retire.

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Core Benefits

10 guides

FERS Pension Net Pay Calculator

Estimate your pension and understand deductions from gross to net pay.

FEHB & Medicare Healthcare Costs

Plan for FEHB premiums, Medicare enrollment, and healthcare costs in retirement.

Keeping FEHB in Retirement

Understand the five-year rule and how FEHB continues after retirement.

FEHB or Medicare Part B After Retirement

Decide whether Medicare Part B adds enough value alongside FEHB for your household.

2027 FEHB Premiums: What Federal Retirees Will Pay

See 2027 monthly enrollee rates for the major nationwide plans and what changes with Medicare, VA care or CHAMPVA.

Federal Retirement Income Bridge

Map the years between leaving federal service and starting Social Security.

Federal Retirement Income Taxability

See how FERS, VA, TSP, Social Security, and military retired pay are treated for taxes.

FERS Survivor Benefit Options

Compare full, partial, and no survivor annuity elections.

Federal Retirement Survivor Income

Compare the household income and healthcare picture before and after a retiree dies.

FEGLI Life Insurance in Retirement

Review FEGLI reduction choices, costs, and retirement coverage.

Retirement Decisions

7 guides

Federal Retirement Checklist

Organize the paperwork and decisions to complete before separation.

OPM FERS Retirement Processing Times

Understand interim pay, first-payment timing, case tracking, and backpay.

Federal Retirement Leave Calculator

Compare sick-leave credit, annual-leave payout, and nearby retirement dates.

Best Date to Retire as a Federal Employee

Balance pension timing, leave, COLA, high-3 pay, and cash-flow priorities.

FERS High-3 Salary Calculator

Learn which pay counts and how your high-3 average is calculated.

MRA+10 Retirement Option

Evaluate age reductions and postponed retirement under MRA+10.

FERS COLA Adjustment

See when FERS COLAs begin and how annual adjustments are determined.

6 guides

TSP Withdrawal Strategy

Compare withdrawal approaches for taxes, longevity, and income stability.

TSP Contribution Limits

Review current contribution, catch-up, and agency matching limits.

Social Security for Federal Employees

Coordinate Social Security with your FERS pension and TSP.

Social Security Fairness Act for Federal Employees

See how WEP and GPO repeal affects FERS, CSRS, spouses, and survivors.

Social Security: Claim at 62 vs 70

Compare early and delayed claiming tradeoffs for lifetime income.

FERS Special Retirement Supplement

Estimate the supplement and understand its earnings test.

Special Situations

8 guides

FERS Special Retirement Calculator

Compare the 1.7% covered-service formula with regular FERS service.

VA Disability + FERS Pension Combined

Coordinate VA disability compensation with federal retirement income.

Combat-Related Special Compensation

Understand CRSC eligibility, combat-related criteria, and how it restores waived military retired pay.

Military Service Buyback for FERS

Evaluate the cost and pension impact of crediting military service.

Military Buyback and Military Retired Pay

Sort service credit, Reserve or Guard retirement, and retired-pay waiver questions.

States That Don’t Tax Federal Retirement

Compare state treatment of pensions, TSP withdrawals, and Social Security.

VERA Early Retirement

Understand eligibility and tradeoffs under an early-out authority.

FERS Disability Retirement

Review eligibility, application basics, and benefit coordination.