Understanding how your pension is calculated, including concerns about years of service, the high-3 average salary, and eligibility criteria for full benefits. This is a complex area with a significant impact on your retirement income.

Understand the impact of your contributions and fund allocations, catchup provisions, ROTH TSP and withdrawl options to avoid taxes.

It’s important to understand how your FEGLI coverage will change. Premiums will increase, and the value of coverage can decrease. It’s essential to plan ahead. Consider factors such as your age, family responsibilities, and financial situation.

Understanding coverage limitations, spousal eligibility and integrating FEHB with Medicare.

Eligibility requirements, timing of benefits, coordinating with FERS and the Special Retirement Supplement (SRS) and spousal survivor benefits.

Addressing the concerns of FEHB coverage limitations, the high costs of LTC, lack of awareness of available LTC insurance options and the impact on retirement savings.

Making the right choices for your spouse with FERS, Social Security, FEHB and FEGLI.