This Session Covers An Overview of FERS & CSRS Survivor Benefits Differences between the two retirement systems’ survivor benefits Qualifying relatives Cost of electing survivor benefits What forms should be filled out to ensure qualifying relatives receive the survivorship Other Information for FERS & CSRS Annuitants Spousal Survivor annuities (including former spouses) Cost to give an insurable interest survivor annuity Informa...

An Overview of Financial Planning Topics for Feds Setting goals Practical considerations Projecting future income needs How much money will you need saved when you retire? How do your federal benefits come into play? The Retirement “Tripod” CSRS and FERS annuities, plus military pensions Social Security benefits TSP, IRAs, and other savings/investments Ed thoroughly explores all 3 components Other Information to Consider Health Ins...

An Overview of Life Insurance for Federal Employees Group Life, including the Federal Employee Group Life Insurance Plan (FEGLI), and individual like policies from private companies, with information about term life insurance versus permanent or whole life insurance. Understanding FEGLI Benefits In depth education about FEGLI Basic, and Options A, B, and C- including considerations all feds should make about FEGLI benefits when approaching ret...

An Overview of CSRS & Different Types of Retirement Types of service used for determining eligibility to retire under CSRS Employee and agency contributions to CSRS Military service and temporary time The CSRS annuity computation Minimum age and service requirements Early retirement and deferred retirement Understanding the Annuity Computation Amount of an annuity Length of service and unused sick leave High-3 average salary Effective date...

An Overview of the 4 Types of Social Security Benefits Retirement, disability, survivor, Medicare Eligiblity requirements for each type, How the amounts are calculated How they apply to the financial plans of federal employees, both FERS and CSRS employees Understanding the Common Pitfalls The Windfall Elimination Program for CSRS Earnings Test Special Retirement Supplement for FERS Government Pension Offsets (GPO) How the benefits are taxed I...

An Overview of FERS for Special Provision Employees Job classifications Types of Retirement Plans Mandatory Payroll Withholdings Information on the TSP Retirement Planning Military Service Calculating Your FERS Annuity Redeposits and Deposits Minimum Retirement Ages Sick and Annual Leave Calculating Years of Service High-3 Average Salary Other Information for FERS Workers with Special Provisions The Special Retirement Supplement Best times to...

Survivor Benefits for FERS and CSRS An Overview of FERS & CSRS Survivorship Differences between the two retirement systems’ benefits Qualifying relatives Cost of electing benefits What forms should be filled out to ensure qualifying relatives receive the survivorship Other Information for FERS & CSRS Annuitants Spousal Survivor annuities (including former spouses) Cost to give an insurable interest survivor annuity Information ab...

An Overview of Financial Planning for Federal Employees Setting goals Practical considerations Projecting future income needs How much money will you need saved when you retire? How do your retirement benefits come into play? The Retirement “Tripod” CSRS and FERS annuities, plus military pensions Social Security benefits TSP, IRAs, and other savings/investments Ed thoroughly explores all 3 components! Other Information to Consider...

A Detailed Overview of Long-Term Care Insurance Costs Inflation protection Benefit amounts Waiting periods Activities of daily living Everything you need to know to make a decision about LTC insurance. Understanding Your LTC Options Pros and cons of the Federal LTC Insurance Program Alternatives to LTC insurance ... plus more information about Long Term Care insurance specifically for federal employees, federal retirees, and their families.

Estate Planning for Federal Employees The Basic Steps- What information to gather and analyze, what decisions need to be made (plus suggestions to help your choices), and how and when to review periodically. Why A Plan is Needed What happens to an estate post-mortem? Information about trusts, probate, the titling of property Tax implications ... plus more information about estate planning for federal employees and their families.