Your federal benefits
Every part of your federal benefits, explained in plain English.
Start with the question that's on your mind. Each guide covers the rules, the deadlines and the mistakes we see most.
Start with your question
The six things federal employees ask us most
Will my money last?
Your FERS or CSRS pension, the supplement that stops at 62, and how to draw down the TSP.
Read the guide → FEHB, PSHB & MedicareWhat happens to my health coverage?
Keeping FEHB in retirement, the 5-year rule, and whether to take Medicare Part B.
Read the guide → Survivor & life insuranceWhat does my spouse get if I die?
Survivor annuity elections, FEGLI after 65, and Social Security survivor rules.
Read the guide → Leaving earlyCan I leave now, and what do I lose?
Early outs, VERA and VSIP, MRA+10, deferred retirement and RIF situations.
Read the guide → Forms & service creditAm I doing the paperwork right?
Your SF-50, sick leave credit, military buy-back and beneficiary forms.
Read the guide → Long-term careWhat if I need long-term care?
What FEHB and Medicare don't cover, and your options now that FLTCIP is closed to new applicants.
Read the guide →Learning Center
Browse all 14 topics
More than 350 plain-English guides, sorted by topic.
See your own numbers
Reading is a great start. Your numbers are the real answer.
Every federal career is different. A free Gap Report shows what you'll actually receive in retirement, and where the shortfalls are.