Long-Term Care Ladder: 5 Proven Steps to Avoid Costly Care Gaps | Fed Pilot
A long-term care ladder layers cash, Roth, and portfolio withdrawals to fund years of care. Learn how federal retirees can build one to avoid a costly coverage gap.
FEGLI Option A: 5 Critical Facts to Avoid a Costly Coverage Gap | Fed Pilot
FEGLI Option A adds a flat $10,000 of life insurance, but it shrinks to $2,500 after age 65. Learn how the coverage and reduction rules work in retirement.
FERS Survivor Annuity: 3 Critical Choices to Protect Your Spouse | Fed Pilot
A FERS survivor annuity election reduces your pension by 5% or 10% but can protect your spouse for life. Learn how the choices and costs work before you retire.
TSP Life Annuity: 5 Critical Trade-Offs to Avoid a Costly Mistake | Fed Pilot
A TSP life annuity converts your balance into guaranteed monthly income for life. Learn the 5 trade-offs federal retirees weigh before choosing this option.
OPM Interim Payments: 5 Critical Facts to Avoid Costly Cash Gaps | Fed Pilot
OPM interim payments bridge the gap while your federal retirement claim is processed. Learn how much to expect and how to avoid a costly cash-flow gap.
FEHB Medicare Part B: 5 Critical Choices to Avoid Costly Penalties | Fed Pilot
Deciding on FEHB Medicare Part B enrollment at 65 affects premiums, penalties, and out-of-pocket costs. Learn how the two programs coordinate for federal retirees.
FERS Pension Multiplier: 3 Critical Facts to Boost Your Annuity 10% | Fed Pilot
The FERS pension multiplier is usually 1%, but rises to 1.1% if you retire at 62 with 20 years of service. That 10% boost can add up over a long retirement.
TSP after a RIF: 5 Critical Moves to Protect Your Savings | Fed Pilot
Managing your TSP after a RIF involves choices about withdrawals, loans, and rollovers. Learn 5 moves that may help protect your federal savings after a layoff.
Social Security 2032 Shortfall: 5 Critical Facts to Avoid Costly Panic | Fed Pilot
Social Security 2032 headlines sound alarming, but 78% of benefits stay payable even if the trust fund is depleted. Here is what federal retirees should know.
Medicare IRMAA Surcharge: 5 Critical Facts to Avoid Costly Premiums | Fed Pilot
Medicare IRMAA can raise your 2026 Part B premium above $202.90 once income tops $109,000. Learn how the surcharge works and how to request relief.