How Your FEGLI Basic Insurance Amount Is Calculated (With a Worked Example)
Almost every federal employee carries FEGLI Basic. Few can say what their coverage is actually worth, […]
federal employees
What Income Actually Counts Toward the Medicare IRMAA Thresholds?
IRMAA is not a tax bracket. It is a cliff. Cross a threshold by one dollar […]
Using Sick Leave Before Retirement: What Each Hour Really Costs Your Pension
In your final year of federal service, the arithmetic on your sick leave balance stops being […]
Every Family Member Added at Open Season Now Gets Verified: OPM’s 2027 Rule
For the past two Open Seasons, agencies had to check the paperwork on a sample of […]
Does Rolling Your TSP Into an IRA Cancel the Age-55 Penalty Exception?
You separated at 55, so the 10% early withdrawal penalty no longer touches your TSP. Then […]
OPM Launches eOPF Document Request Service: What Federal Retirees Need to Know
Federal employees spend decades generating paperwork they never look at — until a retirement claim or […]
FEDVIP in Retirement: 5 Critical Rules to Avoid Costly Dental Gaps
The short answer: FEDVIP in retirement follows different rules than FEHB. OPM states there is no […]
Social Security Application Withdrawal: Avoid a Costly 12-Month Trap
The short answer: A Social Security application withdrawal on Form SSA-521 undoes a retirement claim within […]
FEHB Premium Conversion: 5 Critical Facts to Avoid Costly Tax Gaps
The short answer: FEHB premium conversion lets active federal employees pay health premiums with pre-tax dollars. […]
FERS Contribution Rates: 3 Critical Tiers That Protect Your Pension
The short answer: FERS contribution rates come in three tiers — 0.8%, 3.1% and 4.4% of […]