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# Fed Pilot: Educating federal employees on their federal retirement benefits through workshops and posts.

## Sitemaps
[XML Sitemap](https://fedpilot.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Social Security Break-Even: Avoid a Costly Claiming Trap at 62](https://fedpilot.com/blog/2026/08/14/social-security-break-even-age/): The short answer: Your Social Security break-even age is the age where the larger checks from claiming later add up to more than the smaller checks from claiming early. For most federal employees, the Social Security break-even point between claiming at 62 and full retirement age lands in the late 70s. So a longer life expectancy favors waiting.
- [HSA Triple Tax: Protect Retirement From Costly Health Bills 2026](https://fedpilot.com/blog/2026/08/13/hsa-triple-tax-federal-retirement/): The short answer: The HSA triple tax advantage means money enters a Health Savings Account pre-tax, grows tax-free, and comes out tax-free for qualified medical costs. For a federal employee in an HSA-eligible high-deductible FEHB plan, the HSA triple tax benefit turns routine health savings into a dedicated, tax-free pool for retirement medical bills.
- [FEHB Five-Year Rule: Avoid Losing Costly Retiree Coverage 2026](https://fedpilot.com/blog/2026/08/12/fehb-five-year-rule-retirement-2/): The short answer: The FEHB five-year rule requires enrollment in the Federal Employees Health Benefits program for the five years right before you retire, or since your first chance to enroll. Miss the FEHB five-year rule and you lose one of the most valuable federal benefits. For most retirees, no exception applies.
- [FERS Sick Leave: Boost Your Pension With 2,087 Vital Hours](https://fedpilot.com/blog/2026/08/11/fers-sick-leave-service-credit/): The short answer: Unused FERS sick leave converts to extra creditable service in your pension. Since 2014, FERS retirees get 100% credit for it. The Office of Personnel Management treats 2,087 hours as one work year. So a large FERS sick leave balance can add months, or even a full year, to the service used to compute your annuity.
- [TSP G Fund: Protect Savings From Costly 2026 Market Losses](https://fedpilot.com/blog/2026/08/10/tsp-g-fund-market-protection/): The short answer: The TSP G Fund is the only Thrift Savings Plan fund that has never posted a losing year. It holds special-issue U.S. Treasury securities, so its share price does not fall. The TSP G Fund gained 2.57% through July 2026. That makes it a steady place for federal employees near retirement to hold cash.
- [FEGLI Option C: Protect Family Coverage, Avoid Costly Gaps 2026](https://fedpilot.com/blog/2026/08/07/fegli-option-c-family-coverage/): The short answer: FEGLI Option C is the family coverage piece of the Federal Employees’ Group Life Insurance program. FEGLI Option C insures your spouse and eligible children in multiples, with each multiple worth $5,000 on a spouse and $2,500 on each child. It fills a gap many federal families overlook.
- [Social Security Spousal Benefit: Protect Your Vital 50% in 2026](https://fedpilot.com/blog/2026/08/06/social-security-spousal-benefit-fers/): The short answer: A Social Security spousal benefit can pay up to 50% of the higher-earning spouse’s full-retirement-age amount. The Social Security spousal benefit is reduced if claimed before your own full retirement age. Timing shapes how much of that 50% you actually keep.
- [Suspend FEHB: Protect 2026 Coverage and Avoid Costly Gaps](https://fedpilot.com/blog/2026/08/05/suspend-fehb-tricare-retirement/): The short answer: Federal retirees can suspend FEHB coverage — rather than cancel it — when they have TRICARE or certain other coverage. Choosing to suspend FEHB, instead of dropping it outright, protects the right to re-enroll later, which is the detail that prevents a permanent coverage gap.
- [FERS Redeposit: Avoid Losing Costly Service Credit in 2026](https://fedpilot.com/blog/2026/08/04/fers-redeposit-service-credit/): The short answer: A FERS redeposit is a payment that returns previously refunded retirement contributions, plus interest. That earlier period of federal service can count again toward your annuity. Making a FERS redeposit may restore service credit that a refund erased, which can raise your eventual pension.
- [Roth TSP 5-Year Rule: Avoid a Costly Tax Trap in 2026](https://fedpilot.com/blog/2026/08/03/roth-tsp-5-year-rule-withdrawals/): The short answer: The Roth TSP 5-year rule means your Roth earnings can come out completely tax-free only after two conditions are met. Five tax years must pass since your first Roth TSP contribution, and you must also reach age 59½ (or become disabled, or die). Both tests generally apply for a qualified distribution.
- [FEGLI Option B: 5 Critical Facts to Avoid Costly Premiums | Fed Pilot](https://fedpilot.com/blog/2026/07/30/fegli-option-b-retirement/): The short answer: FEGLI Option B is additional life insurance worth one to five times your annual basic pay, rounded up to the next $1,000. You pay the full premium, and the cost rises in five-year age bands. At retirement you choose Full Reduction or No Reduction, which decides whether coverage shrinks to zero after age 65.
- [FEHB Temporary Continuation: 5 Critical Facts to Avoid Costly Gaps | Fed Pilot](https://fedpilot.com/blog/2026/07/29/fehb-temporary-continuation-coverage/): The short answer: FEHB Temporary Continuation of Coverage lets employees who leave federal service keep their health plan for up to 18 months. Former family members can keep coverage up to 36 months. Enrollees pay the full premium plus a 2% administrative charge. They must elect within 60 days of the qualifying event.
- [FERS Law Enforcement Retirement: 3 Critical Rules to Avoid Costly Errors | Fed Pilot](https://fedpilot.com/blog/2026/07/28/fers-law-enforcement-retirement/): The short answer: FERS law enforcement retirement is a special provision for covered officers, firefighters, and air traffic controllers. It uses an enhanced 1.7% multiplier for the first 20 years of covered service. Eligible employees can retire as early as age 50 with 20 years, or at any age with 25 years.
- [TSP Agency Match: 5 Critical Facts to Avoid Costly Losses | Fed Pilot](https://fedpilot.com/blog/2026/07/27/tsp-agency-match-vesting/): The short answer: The TSP agency match is money your agency adds to your Thrift Savings Plan each pay period. For FERS employees, contributing 5% of pay earns a full 4% match plus a 1% automatic contribution. That means the agency adds 5% on top of what you save.
- [Long-Term Care Ladder: 5 Proven Steps to Avoid Costly Care Gaps | Fed Pilot](https://fedpilot.com/blog/2026/07/24/long-term-care-ladder-retirement/): 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](https://fedpilot.com/blog/2026/07/23/fegli-option-a-retirement-coverage/): 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](https://fedpilot.com/blog/2026/07/22/fers-survivor-annuity-election-cost/): 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.
- [FEHB Medicare Part B: 5 Critical Choices to Avoid Costly Penalties | Fed Pilot](https://fedpilot.com/blog/2026/07/17/fehb-medicare-part-b-enrollment/): 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](https://fedpilot.com/blog/2026/07/16/fers-pension-multiplier-age-62/): 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](https://fedpilot.com/blog/2026/07/15/tsp-after-rif-reduction-in-force/): 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](https://fedpilot.com/blog/2026/07/14/social-security-2032-trust-fund-shortfall/): 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](https://fedpilot.com/blog/2026/07/13/medicare-irmaa-federal-retirees-2026/): 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.
- [Social Security Fairness Act: Essential Guide to Boost CSRS Benefits 2025 | Fed Pilot](https://fedpilot.com/blog/2026/07/10/social-security-fairness-act-csrs/): The short answer: The Social Security Fairness Act, signed into law on January 5, 2025, repealed the Windfall Elimination Provision and Government Pension Offset. The change restores full Social Security benefits for people with non-covered pensions — primarily CSRS federal retirees — for benefits payable after December 2023.
- [FEGLI Basic Reduction: 3 Retirement Choices to Avoid Costly Premiums | Fed Pilot](https://fedpilot.com/blog/2026/07/09/fegli-basic-reduction-retirement/): The short answer: The FEGLI Basic reduction you elect at retirement determines whether your life insurance becomes free or keeps costing you for life. The 75% Reduction option makes premiums free at age 65 while shrinking the benefit to 25%; the 50% and No Reduction options preserve more coverage but charge extra premiums.
- [FERS Deferred Retirement: 5 Critical Rules to Avoid Costly Gaps | Fed Pilot](https://fedpilot.com/blog/2026/07/07/fers-deferred-retirement-rules/): The short answer: FERS deferred retirement lets a former federal employee with at least 5 years of service collect a pension later in life, even after leaving government. The trade-off is steep: deferred retirees forfeit FEHB and FEGLI coverage and the FERS supplement, and an early start can cut the benefit 5% for each year under age 62.
- [TSP Required Minimum Distributions: Avoid a 25% Penalty at Age 73 | Fed Pilot](https://fedpilot.com/blog/2026/07/06/tsp-required-minimum-distributions-rmd/): The short answer: TSP required minimum distributions are mandatory annual withdrawals that generally begin at age 73 once you are separated from federal service. Your first payment is due by April 1 of the following year, and the IRS excise tax for missing one is now 25%, reduced to 10% if corrected timely.
- [FERS Military Deposit: 3 Critical Steps to Boost Your Pension](https://fedpilot.com/blog/2026/07/02/fers-military-deposit-buy-back/): The short answer: A FERS military deposit lets a federal employee receive civilian pension credit for active-duty military service. According to OPM, the deposit is generally 3% of the military basic pay earned during that service, plus interest after a grace period.
- [FERS Supplement Earnings Test: Avoid Losing $1 for Every $2 in 2026](https://fedpilot.com/blog/2026/07/01/fers-supplement-earnings-test-2026/): The short answer: The FERS supplement earnings test can reduce your Special Retirement Supplement when earned income passes the annual limit. Social Security set that limit at $24,480 for 2026. OPM generally reduces the supplement by $1 for every $2 above the limit, and it ends at age 62.
- [Medicare Part B Penalty: Avoid a 10% Lifetime Surcharge in Retirement](https://fedpilot.com/blog/2026/06/30/medicare-part-b-penalty-federal-retirees/): The short answer: The Medicare Part B penalty adds 10% to your monthly premium for each full 12-month period you were eligible but did not enroll. It generally lasts for life. Federal employees with FEHB tied to current employment usually qualify for a Special Enrollment Period that can help them delay Part B without this penalty.
- [TSP Lifecycle Funds: 5 Essential Facts to Avoid Costly Mistakes](https://fedpilot.com/blog/2026/06/29/tsp-lifecycle-funds-guide/): The short answer: TSP Lifecycle funds are professionally designed mixes of the five core TSP funds (G, F, C, S, and I) built around a target retirement date. As that date nears, each fund automatically shifts toward a more conservative blend. One fund can hold a diversified portfolio.
- [FERS High-3 Salary: 3 Costly Mistakes to Avoid](https://fedpilot.com/blog/2026/06/26/fers-high-3-salary-pension/): The short answer: Your FERS high-3 salary is the average of your highest 36 consecutive months of basic pay. It sets the size of your pension. Basic pay can include locality pay and shift rates. It excludes overtime, bonuses, awards, and travel pay. Small payroll details may quietly shrink it.
- [Social Security Earnings Test: 3 Critical Rules to Avoid a 2026 Benefit Cut](https://fedpilot.com/blog/2026/06/25/social-security-earnings-test-2026/): The short answer: The Social Security earnings test may reduce benefits if you claim before full retirement age (FRA) and keep working. In 2026, SSA can withhold $1 for every $2 you earn above $24,480. Those withheld benefits are not lost. SSA generally recomputes your payment at FRA.
- [FEHB Five-Year Rule: 5 Facts to Protect Your Retiree Coverage](https://fedpilot.com/blog/2026/06/24/fehb-five-year-rule-retirement/): The short answer: The FEHB five-year rule generally lets you keep federal health coverage in retirement if you retire on an immediate annuity. You must also have been continuously enrolled in any FEHB plan, or covered as a family member, for the five years before retirement.
- [TSP Roth Catch-Up: 3 Critical Rules to Avoid a 2026 Tax Penalty](https://fedpilot.com/blog/2026/06/22/tsp-roth-catch-up-2026-rules/): The short answer: A new TSP Roth catch-up rule takes effect January 1, 2026. Federal employees who are age 50 or older and earned more than $150,000 in FICA wages in 2025 can no longer make traditional catch-up contributions. Any catch-up amounts must now go into Roth.
- [Social Security Paper Checks Are Ending: Protect Your 2026 Payments](https://fedpilot.com/blog/2026/06/18/social-security-paper-checks-electronic-payments/): The short answer: Social Security paper checks are being phased out. Starting September 30, 2025, the federal government stopped issuing paper checks for most payments, including Social Security. Beneficiaries are expected to use direct deposit or a Direct Express card, and a narrow waiver is available from the U.S. Treasury.
- [Sequence of Returns Risk: 3 Proven Ways to Avoid Early Retirement Losses](https://fedpilot.com/blog/2026/06/17/sequence-of-returns-risk-federal-retirement/): The short answer: Sequence of returns risk is the danger that poor investment returns early in retirement, combined with withdrawals, permanently shrink a portfolio. For a federal employee drawing on the TSP, the first few years of retirement can shape how long the money lasts, even when long-term average returns look fine.
- [FEHB Eligibility Verification: Protect Coverage by the 2026 Deadline](https://fedpilot.com/blog/2026/06/16/fehb-eligibility-verification-rule-2026/): The short answer: FEHB eligibility verification is a new federal requirement under a final rule that takes effect July 2, 2026. It directs the Office of Personnel Management to confirm that each family member added to a Federal Employees Health Benefits plan is actually eligible, and that any qualifying life event used to add coverage is genuine.
- [TSP Spousal Consent: 5 Critical Rules That Protect Your Spouse](https://fedpilot.com/blog/2026/06/15/tsp-spousal-consent-withdrawal-rules/): The short answer: TSP spousal consent is a federal rule that gives the spouse of a married participant legal rights over certain Thrift Savings Plan withdrawals. For a married FERS participant, a spouse must sign a notarized consent before most withdrawals. Accounts above $3,500 also carry an automatic joint life annuity right unless the spouse waives it.
- [What Healthcare Really Costs in Federal Retirement: A 20-Year Budget Guide for FEHB Enrollees](https://fedpilot.com/blog/2026/06/12/fehb-retirement-healthcare-costs-guide/): The short answer: FEHB retirement healthcare coverage continues for eligible federal retirees — but costs rise significantly over time. The federal government contributes approximately 72% of the weighted average premium across all plans. However, healthcare costs typically rise faster than general inflation. FEHB premiums increase most years. Over a 20–25 year retirement, cumulative out-of-pocket healthcare costs can easily exceed $100,000 per person — making this one of the largest and most underplanned expenses in federal retirement. (OPM.gov FEHB; 5 U.S.C. § 8906)
- [The FERS Special Retirement Supplement: Your Bridge to Social Security Before Age 62](https://fedpilot.com/blog/2026/06/10/fers-special-retirement-supplement-guide/): The short answer: The FERS Special Retirement Supplement (SRS) is a monthly benefit OPM pays to eligible FERS retirees who leave federal service before age 62. It approximates the Social Security benefit earned through FERS service, calculated as: (Estimated SS benefit at 62 ÷ 40) × years of FERS service. The supplement is subject to the Social Security earnings test and terminates automatically when the retiree turns 62 or first becomes entitled to Social Security benefits. (OPM.gov, FERS Types of Retirement)
- [Will the TSP C Fund Hold SpaceX After Its IPO? What Federal Employees Need to Know](https://fedpilot.com/blog/2026/06/08/tsp-c-fund-spacex-ipo-federal-employees/): The short answer: The TSP C Fund SpaceX question has a clear answer: the C Fund will not hold SPCX at its IPO. The C Fund tracks the S&P 500 index. SpaceX must first join that index before the C Fund can hold it. S&P 500 inclusion requires a public trading history and positive GAAP earnings — criteria SpaceX may not meet quickly. Federal employees could see indirect C Fund exposure to SPCX no sooner than late 2026 or early 2027 at the earliest. Even then, SpaceX’s limited public float would constrain its index weight. (TSP.gov C Fund; S&P 500 Index)
- [How to File Your OPM Retirement Application: A Step-by-Step Guide for FERS Employees](https://fedpilot.com/blog/2026/06/05/opm-retirement-application-sf-3107-guide/): The short answer: The OPM retirement application for FERS employees is SF 3107 (“Application for Immediate Retirement — Federal Employees Retirement System”), which should be submitted to your agency’s HR office 60 to 90 days before your planned retirement date. OPM then processes the application and begins paying an interim annuity — typically 60–80% of your estimated final benefit — within 45–60 days of separation. Full adjudication currently takes additional months. The SF 3107 and all supporting forms are available at OPM.gov.
- [Divorce and Your FERS Pension: What Happens to Your Federal Retirement Benefit When a Marriage Ends](https://fedpilot.com/blog/2026/06/04/fers-pension-divorce-court-order-rbco/): The short answer: A FERS pension divorce proceeding can divide your FERS annuity, survivor benefit, and TSP account — but only through a qualifying court order. OPM processes Retirement Benefits Court Orders (RBCOs) that award a former spouse a portion of your FERS annuity. If the divorce decree is silent on federal retirement benefits, OPM has no authority to split them. The timing and language of the court order matter enormously. OPM’s court order guidance is at OPM.gov/retirement-services/court-ordered-benefits.
- [Should You Drop FEHB for Medicare Advantage in Retirement? The Trade-Offs Federal Retirees Must Know](https://fedpilot.com/blog/2026/06/03/fehb-medicare-advantage-federal-retirees/): The short answer: Federal retirees can legally suspend FEHB enrollment to move to a FEHB Medicare Advantage alternative, Medicaid, or TRICARE — and reinstate FEHB during a future Open Season or within 31 days of losing that coverage. Some retirees save money with Medicare Advantage, but the trade-offs include prior authorization requirements, limited provider networks, and the loss of FEHB’s broad coverage. OPM’s rules for FEHB suspension are codified at 5 CFR Part 890.
- [How Part-Time Federal Service Reduces Your FERS Pension (And What to Do About It)](https://fedpilot.com/blog/2026/06/02/part-time-fers-pension-pro-ration/): The short answer: Part-time federal service counts fully toward your years of creditable service for FERS eligibility, but OPM prorates your part-time FERS pension based on the fraction of full-time hours you actually worked. OPM calculates your part-time pension using your actual tour of duty compared to a full-time schedule (2,087 hours per year), so a federal employee who works 50% time for 10 years receives roughly half the pension credit for those years as someone who worked full-time. See the full calculation at OPM.gov’s FERS computation page.
- [FEGLI Option B in Retirement: Full Reduction vs. No Reduction Cost Comparison | Fed Pilot](https://fedpilot.com/blog/2026/05/29/fegli-option-b-reducing-schedule-age-65-retirement/): Federal employees who carry FEGLI Option B during their working years sometimes treat the retirement-election form as a final, take-it-or-leave-it choice. It is not. The decision you make on Standard Form 2818 sets up a multi-decade arc — coverage that may quietly evaporate, premiums that climb steeply with age, or a free death benefit that gradually unwinds to zero. The decision turns on which "reduction option" you elect, and the difference between the two choices can mean tens of thousands of dollars in lifetime premium and a very different outcome for your beneficiaries.
- [Survivor Benefits and FEHB: The Survivor Election That Protects Your Spouse’s Health Insurance | Fed Pilot](https://fedpilot.com/blog/2026/05/28/fers-survivor-annuity-election-spouse-fehb-continuation/): One of the single most expensive checkbox decisions a federal employee will ever make happens on Standard Form 3107 at the moment of retirement. It is the survivor annuity election — and federal employees who treat it as "I'll just take the maximum to be safe" or "we don't need that, we have life insurance" sometimes discover, years later, that the box they checked also decided whether their surviving spouse keeps Federal Employees Health Benefits coverage after they're gone.
- [FERS Diet COLA Explained: Why Your 2027 Pension Adjustment May Fall Short of Inflation | Fed Pilot](https://fedpilot.com/blog/2026/05/27/fers-diet-cola-2027-projection-cpi-3-percent/): The Bureau of Labor Statistics released April 2026 inflation data on May 12, and the headline number drew attention from anyone living on a fixed federal annuity: CPI-W — the inflation index that drives federal retirement cost-of-living adjustments — rose 3.9 percent year over year. If that pace holds through the third quarter, the 2027 FERS COLA will be set by a formula most federal retirees do not realize is working against them. It is called the "diet COLA," and for FERS retirees, it kicks in the moment inflation exceeds 3 percent.
- [Medicare GLP-1 Bridge July 2026: $50 Copay Rules for FEHB Retirees | Fed Pilot](https://fedpilot.com/blog/2026/05/26/medicare-glp-1-bridge-fehb-retirees-50-copay/): On May 6, 2026, the Centers for Medicare & Medicaid Services announced a new short-term demonstration called the Medicare GLP-1 Bridge. Starting July 1, 2026 — about five weeks from now — Medicare beneficiaries who are clinically eligible can pay a flat $50 monthly copay for certain weight-loss GLP-1 medications. For federal retirees who carry FEHB alongside Medicare Part D, this looks like a windfall on paper. But there is a catch buried in the program design that every federal retiree planning to use it needs to understand before signing up.
- [Inheriting a TSP Account: Spouse vs. Non-Spouse Beneficiary Rules Explained | Fed Pilot](https://fedpilot.com/blog/2026/05/22/inheriting-tsp-spouse-non-spouse-beneficiaries/): Your TSP balance is likely the largest single asset you'll leave to your family. But the rules for what your spouse, children, or other heirs can do with your TSP account after you die are very different from the rules governing an inherited 401(k) or IRA at a private brokerage. The differences come down to one TSP-specific feature — the Beneficiary Participant Account — and how the SECURE Act's 10-year payout rule applies to non-spouse beneficiaries. Federal employees and retirees who don't understand both can leave their heirs with a surprise tax bill, a forced lump-sum distribution, or a frozen account.
- [Interim Annuity Payments: What OPM Pays Federal Retirees While Their Case Is Processed | Fed Pilot](https://fedpilot.com/blog/2026/05/21/interim-annuity-payments-opm-federal-retirees/): You submitted your retirement paperwork. Your last paycheck cleared. The agency threw you a goodbye party. Then weeks turned into months, and the full pension check still hasn't arrived. Instead, you're receiving a smaller, partial payment from OPM — and you're not sure if that's the new normal or a temporary fix. This in-between phase has a name: interim annuity payments. Almost every federal retiree experiences it, and understanding what to expect can prevent panicked phone calls and bad financial decisions.
- [TSP Super Catch-Up 2026: $35,750 Limit for Ages 60-63 | Fed Pilot](https://fedpilot.com/blog/2026/05/20/tsp-super-catch-up-contributions-2026-ages-60-63/): If you're a federal employee between 60 and 63 years old in 2026, you have a once-in-a-career opportunity to save dramatically more in your Thrift Savings Plan — and most feds don't even know it exists. The SECURE 2.0 Act created a special, higher catch-up contribution limit for a narrow four-year age window, and 2026 is the second year it's in effect. Workers ages 60, 61, 62, and 63 can contribute up to $11,250 in catch-up contributions, on top of the standard $24,500 elective deferral limit, for a combined maximum of $35,750.
- [Medicare 2027 Part D Changes: What Federal Retirees With FEHB Need to Know](https://fedpilot.com/blog/2026/05/18/medicare-2027-part-d-changes-federal-retirees-fehb/): Medicare's Part D prescription drug benefit looks very different in 2026 than it did three years ago, and CMS's final 2027 Medicare Advantage and Part D rule — issued April 2, 2026 — locks in another round of changes. For federal retirees who pair Medicare with FEHB, the most consequential shifts are already in motion: a hard $2,100 annual out-of-pocket cap in 2026 (rising to $2,400 in 2027), the second wave of Medicare-negotiated drug prices, and a different set of marketing and Star Ratings rules than what was originally proposed. Each of these affects whether you should enroll in Part D, lean on FEHB's prescription coverage, or rethink your overall coordination strategy.
- [FEGLI Conversion to Private Whole Life: The 31-Day Window You Can’t Afford to Miss](https://fedpilot.com/blog/2026/05/15/fegli-conversion-private-whole-life-31-day-window/): Leaving federal service? You have 31 days to convert your FEGLI life insurance to a private whole life policy without medical underwriting. Here's exactly how it works and who should do it.
- [FEHB Self+1 vs Self & Family: The Tier Decision Most Federal Employees Get Wrong](https://fedpilot.com/blog/2026/05/14/fehb-self-plus-one-vs-self-and-family-tier-decision/): Picking the wrong FEHB coverage tier can cost you $1,500-$3,500 per year. Here's how Self+1 and Self & Family actually differ, and the four lifecycle moments when you should re-evaluate.
- [MRA+10 Retirement: When the 5% Per Year Reduction Is Worth It (And When to Postpone Instead)](https://fedpilot.com/blog/2026/05/13/mra-plus-10-fers-retirement-reduction-postpone/): MRA+10 lets you retire as early as age 57 with just 10 years of service — but the 5% per year reduction can cost six figures over your retirement. Here's when to take it and when to postpone.
- [The TSP Annuity Option: When the MetLife Lifetime Income Choice Makes Sense](https://fedpilot.com/blog/2026/05/12/tsp-annuity-option-metlife-lifetime-income/): Fewer than 1% of federal retirees use the TSP annuity option. Here's how it works, how it differs from your FERS pension, and when it actually makes sense to lock in MetLife lifetime income.
- [FERS Disability Retirement: Eligibility, Calculation, and the Application Process](https://fedpilot.com/blog/2026/05/11/fers-disability-retirement-eligibility-calculation-application/): FERS disability retirement is one of the most under-used federal retirement options. Here's who qualifies, how the two-tier benefit is calculated, and how the application process works.
- [TSP Beneficiary Designations: The One Form Most Federal Employees Forget to Update](https://fedpilot.com/blog/2026/05/08/tsp-beneficiary-designations-form-update/): If you died unexpectedly tonight, where would your TSP balance go tomorrow? Federal employees rarely know the answer to this question — and the answer is almost never "wherever I want it to go." It is whoever is listed on your TSP-3 beneficiary form, regardless of what your will says, regardless of what you have told your family, regardless of what you currently want to happen.
- [Sick Leave Credit at Retirement: How Unused Sick Leave Boosts Your FERS Pension](https://fedpilot.com/blog/2026/05/06/fers-sick-leave-credit-pension-boost/): Most federal employees know they earn sick leave. Far fewer realize that every hour of unused sick leave they carry into retirement directly increases their FERS pension for the rest of their life. For a federal employee with several hundred hours of unused sick leave, the lifetime value of that "frozen" sick leave can run into tens of thousands of dollars.
- [What Happens to Your TSP Loan When You Retire?](https://fedpilot.com/blog/2026/05/05/what-happens-tsp-loan-when-you-retire/): If you have an outstanding TSP loan and you are within a few years of retirement, this is the article that may save you from one of the most expensive surprises in federal retirement.
- [OPM Retirement Backlog: What to Do If Your Pension Calculation Is Stuck](https://fedpilot.com/blog/2026/05/04/opm-retirement-backlog-pension-delay/): You did everything right. You submitted your retirement paperwork on time, your agency processed your separation, you cleared out of your office, and you went home to start the next chapter. Then the months started piling up — three, four, five, sometimes seven months later — and the only thing that has actually arrived is a partial "interim" annuity payment that does not match what you expected.
- [2027 FEHB Changes: GLP-1 Drug Coverage Rules and OPM’s Well Care Shift](https://fedpilot.com/blog/2026/05/01/2027-fehb-changes-glp1-well-care/): The Office of Personnel Management has issued its annual call letter to Federal Employees Health Benefits carriers for plan year 2027, and it is one of the most consequential pieces of FEHB guidance in years. The headline changes — new prerequisites for GLP-1 weight-loss drugs, an end to cash incentives for childhood vaccines, and a broad pivot toward "well care" and preventive medicine — are going to show up in your plan brochure during this fall's Open Season.
- [TSP In-Plan Roth Conversions: How to Avoid the Tax Bomb](https://fedpilot.com/blog/2026/04/30/tsp-in-plan-roth-conversions-tax-bomb/): The Thrift Savings Plan now allows in-plan Roth conversions — a long-awaited feature that lets federal employees move money from their traditional TSP balance to their Roth TSP balance without leaving the plan. On paper, it is a powerful tax-planning tool. In practice, it is one of the easiest ways to accidentally trigger a five-figure tax bill, push yourself into a higher Medicare premium bracket, or undo years of careful retirement planning.
- [FEHB Premiums in Retirement: What Federal Retirees Actually Pay for Health Coverage](https://fedpilot.com/blog/2026/04/24/fehb-premiums-in-retirement-what-federal-retirees-pay/): One of the most valuable benefits in all of federal employment is the ability to carry your FEHB (Federal Employees Health Benefits) health insurance into retirement. Unlike most private-sector jobs, where employer-sponsored health insurance ends when employment ends, federal retirees can maintain their FEHB coverage for life — as long as they meet the enrollment requirements.
- [Federal Retirement Countdown: Your 12-Month Action Plan Before You Leave Federal Service](https://fedpilot.com/blog/2026/04/23/federal-retirement-12-month-countdown-action-plan/): Retiring from federal service isn't something that happens overnight. The process involves dozens of decisions — many of which have permanent consequences — and a timeline that starts well before your actual retirement date. Federal employees who start preparing 12 months out are far better positioned than those who wait until the last few months and scramble to catch up.
- [FEGLI After Retirement: How Your Life Insurance Coverage Changes When You Leave Federal Service](https://fedpilot.com/blog/2026/04/21/fegli-after-retirement-life-insurance-coverage-changes/): Federal employees are automatically enrolled in FEGLI Basic life insurance — but most don't fully understand what happens to that coverage when they retire. Your FEGLI doesn't disappear at retirement, but it does change in important ways. The optional coverages you carry during your career may become very expensive to maintain. And the decisions you make in the 12 months before retirement lock in your coverage for life.
- [FERS COLA Explained: How Your Pension Adjusts for Inflation — And Why It’s Less Than You Think](https://fedpilot.com/blog/2026/04/20/fers-cola-cost-of-living-adjustment-explained/): If you're a federal employee approaching retirement, you've probably heard the term COLA — Cost-of-Living Adjustment. It sounds reassuring: your pension will keep pace with inflation. But here's what too many federal employees discover only after they retire: if you're under FERS, your COLA works very differently from what most people expect — and it's almost always smaller than the headline inflation number you see in the news.
- [When Should Federal Employees Claim Social Security? The Timing Decision That Could Be Worth Thousands](https://fedpilot.com/blog/2026/04/17/social-security-timing-federal-employees/): Social Security timing is one of the most consequential financial decisions you'll make in retirement — and for federal employees, it comes with unique wrinkles that most generic financial advice doesn't address. The interaction between your FERS pension, the Special Retirement Supplement, and Social Security creates a decision matrix that requires careful, federal-specific analysis.
- [Annual Leave Payout at Retirement: What Federal Employees Need to Know](https://fedpilot.com/blog/2026/04/16/annual-leave-payout-at-retirement-what-federal-employees-need-to-know/): When you retire from federal service, any unused annual leave you've accumulated doesn't just disappear — it gets paid out as a lump sum. For employees who've been banking leave for years, this payout can be substantial: often $10,000 to $30,000 or more.
- [Federal Retirement Tax Planning: How Your FERS Pension, TSP, and Social Security Are Taxed](https://fedpilot.com/blog/2026/04/15/federal-retirement-tax-planning-how-your-fers-pension-tsp-and-social-security-are-taxed/): After decades of federal service, you've built a retirement income from three powerful sources: your FERS pension, your Thrift Savings Plan (TSP), and Social Security. Together, they form a solid financial foundation — but each one is taxed differently, and without careful planning, you could end up paying significantly more in taxes than necessary.
- [FERS Deferred and Postponed Retirement: Your Options If You Leave Federal Service Early](https://fedpilot.com/blog/2026/04/14/fers-deferred-and-postponed-retirement-your-options-if-you-leave-federal-service-early/): Most federal employees think of retirement as a single event: you hit your age and service requirements, fill out the paperwork, and start receiving your pension. But what if you leave federal service before you're eligible for an immediate retirement? Does that mean you lose everything you've built?
- [FERS Survivor Benefits: What Happens to Your Spouse When You’re Gone?](https://fedpilot.com/blog/2026/04/10/fers-survivor-benefits-spouse-protection/): You've spent decades building your federal career and accumulating a FERS pension. But have you thought about what your spouse would receive if you were no longer here? For many federal employees, the answer is: "I'm not sure." That uncertainty could leave your loved one with far less financial protection than you intended.
- [Medicare and FEHB: How Federal Retirees Can Get the Best of Both](https://fedpilot.com/blog/2026/04/09/medicare-and-fehb-how-federal-retirees-can-get-the-best-of-both/): If you're a federal employee approaching 65, you're about to face a decision that trips up even the most prepared retirees: What do you do about Medicare when you already have FEHB coverage?
- [TSP Withdrawal Options in Retirement: A Complete Guide for Federal Employees](https://fedpilot.com/blog/2026/04/08/tsp-withdrawal-options-in-retirement-a-complete-guide-for-federal-employees/): You spent decades contributing to your Thrift Savings Plan. You watched the balance grow through market ups and downs, adjusted your fund allocations, and maybe even maxed out your catch-up contributions in those final working years. Now retirement is here — or it's approaching fast — and you're facing a question that doesn't come with a simple answer: How do I actually get my money out of the TSP?
- [FEGLI Explained: How Much Life Insurance Do Federal Employees Actually Need?](https://fedpilot.com/blog/2026/04/07/fegli-life-insurance-federal-employees-explained/): FEGLI — Federal Employees Group Life Insurance — is one of the least-reviewed benefits in a federal employee's package. Most people set it at enrollment and never look at it again. That's often a mistake. Here's what the options actually mean.
- [What Is the Special Retirement Supplement — And Do You Qualify?](https://fedpilot.com/blog/2026/04/03/special-retirement-supplement-fers-explained/): The FERS Special Retirement Supplement is one of the least understood benefits in federal retirement. It can add hundreds of dollars per month to your income — but only if you qualify, and it comes with conditions most employees don't know about.
- [Roth TSP vs. Traditional TSP: What Federal Employees Need to Know in 2026](https://fedpilot.com/blog/2026/04/02/roth-tsp-vs-traditional-tsp-federal-employees-2026/): Roth conversions are one of the most talked-about strategies in federal retirement planning right now. But rushing into one without understanding the math could cost you more than it saves. Here's the plain-English breakdown.
- [FEHB in Retirement: Should You Keep It or Switch to Medicare?](https://fedpilot.com/blog/2026/04/01/fehb-vs-medicare-federal-retirement/): Federal retirees face one of their most consequential healthcare decisions: keep FEHB, enroll in Medicare Part B, or coordinate both? Here's the plain-English breakdown of what actually matters.
- [TSP Participation Is at an All-Time High — Is Your Strategy Keeping Up?](https://fedpilot.com/blog/2026/03/31/tsp-participation-record-high-2026-strategy/): TSP participation just hit an all-time high among federal employees. But simply contributing isn't enough — your fund allocation, contribution rate, and withdrawal strategy determine how much you actually keep in retirement.
- [How to Calculate Your FERS Pension: A Step-by-Step Guide for Federal Employees](https://fedpilot.com/blog/2026/03/30/how-to-calculate-fers-pension-step-by-step/): Learn the exact FERS pension formula — high-3 average salary, years of service, and multiplier — with real examples, a full calculation walkthrough, and the three variables you can still influence before you retire.
- [VERA 2026: What Federal Employees Need to Know About Voluntary Early Retirement](https://fedpilot.com/blog/2026/03/28/vera-2026-federal-employees-voluntary-early-retirement/): Federal agencies are offering Voluntary Early Retirement Authority in 2026. Here's what VERA is, who qualifies, how it affects your FERS pension, and what to do before you decide.
- [Free Federal Retirement Workshop – In Your Area](https://fedpilot.com/blog/2025/05/08/free-federal-retirement-workshop-in-your-area/): As federal employees, understanding your retirement benefits is crucial for planning a secure and comfortable future. While many of us have attended webinars or quick sessions about federal retirement, these often only scratch the surface of what you need to know. That’s why I’m excited to share an opportunity for a more in-depth learning experience: an all-day, in-person federal retirement workshop designed to dive deep into your benefits and answer your unique questions.
- [What Happens to Your Benefits If You’re RIF’d?](https://fedpilot.com/blog/2025/03/31/navigating-benefits-after-rif/): Facing a Reduction in Force (RIF) can be daunting, especially when it comes to understanding the implications for your benefits. We break down the key aspects of what happens to your healthcare, Thrift Savings Plan (TSP), and pension benefits if you find yourself in this situation.
- [Just Because You Can: Navigating Your Financial Decisions](https://fedpilot.com/blog/2025/03/21/financial-decisions-tsp-retirement/): When it comes to financial decisions, especially regarding your retirement, just because you can do something doesn’t mean you should. This principle is especially relevant for those considering their options within the Thrift Savings Plan (TSP) as they approach retirement. Let’s dive into the critical distinctions between what you can do versus what you should do with your TSP and other retirement options.
- [Understanding the Relationship Between OPM and HR: A Guide to a Smooth Retirement Process](https://fedpilot.com/blog/2025/03/15/understanding-the-relationship-between-opm-and-hr/): When it comes to navigating the world of federal employment, the relationship between the Office of Personnel Management (OPM) and Human Resources (HR) is crucial, especially when preparing for retirement. In this blog, we’re diving deep into why it’s essential for OPM and HR to be on the same page and how their alignment can impact your retirement experience. Let’s explore the complexities and challenges that arise when these two entities don’t work together effectively.
- [SRS After 62: Understanding Retirement Eligibility for Federal Employees](https://fedpilot.com/blog/2025/03/14/srs-after-62-for-federal-employees/):  
- [Your Pension After Five Years of Federal Service](https://fedpilot.com/blog/2025/03/07/your-pension-after-five-years-of-federal-service/): Thinking about retirement can be overwhelming, especially when it comes to understanding your pension options as a federal employee. A common question arises: "If I only work for five years, can I still get a pension?" The answer is yes, but there are important details to consider. Let's dive into what you need to know about qualifying for a pension after five years of service.
- [Understanding Retirement Rules: Debunking Myths for Federal Employees](https://fedpilot.com/blog/2025/01/07/debunking-myths-for-federal-employees-yearsage80/): In the realm of federal employment, misinformation can lead to significant misunderstandings about retirement rules. One of the most persistent myths is the notion of "age plus years equals 80." This idea, while seemingly straightforward, is rooted in outdated beliefs that can misguide employees in their retirement planning. In this blog post, we'll delve into this myth and others, highlighting the importance of accurate information and encouraging federal employees to seek clarity on their retirement options.
- [Understanding FEGLI: The Basics of Federal Employee Group Life Insurance](https://fedpilot.com/blog/2024/12/08/understanding-fegli-basics-federal-employee-life-insurance/): FEGLI, or the Federal Employees Group Life Insurance, is a life insurance program designed for federal employees. It offers various options to ensure employees can secure their families' financial future. Among these options, the "Basic" coverage stands out as a fundamental choice for many. Understanding how this coverage works, especially upon retirement, is crucial for making informed decisions.
- [Understanding the GRB: A Tool for Retirement Planning](https://fedpilot.com/blog/2024/11/21/understanding_grb_retirement_planning-2/): When it comes to planning your retirement, having the right tools and resources is essential. One such tool is the GRB, or Government Retirement Benefits platform, which can aid in strategizing your retirement journey. Let's dive into what the GRB is, how it works, and its limitations in helping you plan for the future.
- [Understanding Your Federal Pension: What You Need to Know](https://fedpilot.com/blog/2024/11/20/understanding_your_federal_pension/): A federal pension is a retirement benefit provided to employees of the federal government. Unlike a 401(k) or other retirement savings plans where you can withdraw lump sums, pensions offer a steady stream of income each month after retirement. This monthly payment is calculated based on your salary and years of service, ensuring a reliable income source during your retirement years.
- [Considering Health Factors in Social Security Withdrawal Decisions](https://fedpilot.com/blog/2024/11/07/considering_health_factors_in_social_security_withdrawal_decisions/):  
- [Maximizing Your Roth Contributions and 5% Matching in Retirement Plans](https://fedpilot.com/blog/2024/11/05/roth-5-percent-matching/): Understanding how Roth contributions work within your retirement plan can significantly impact your savings strategy. One common question is whether you can receive a 5% match while contributing to a Roth account. The answer is nuanced, and several factors come into play. Let’s break down the details to ensure you make the most of your retirement contributions.
- [Understanding Federal Employee Benefits: The VA Perspective](https://fedpilot.com/blog/2024/11/05/understanding_federal_employee_benefits_va_perspective/):  
- [Understanding Roth Contributions and Matching: What You Need to Know](https://fedpilot.com/blog/2024/10/24/roth-and-5match/):  
- [Transforming TSP Anxiety into Confidence: Strategies for Federal Employees](https://fedpilot.com/blog/2024/10/13/my-tsp-is-losing-money/):  
- [Understanding Your Minimum Retirement Age (MRA) as a Federal Employee](https://fedpilot.com/blog/2024/10/09/minimum-retirement-age-mra-as-a-federal-employee/):  
- [The Importance of Your Certified Summary of Federal Service](https://fedpilot.com/blog/2024/09/24/the-importance-of-your-certified-summary-of-federal-service/): When it comes to federal retirement, having accurate records is crucial. One of the best ways to ensure that your retirement benefits are calculated correctly is by obtaining your certified summary of federal service from the Office of Personnel Management (OPM). This official report is essential for anyone planning to retire and can help prevent complications that may arise from inaccuracies in your service history.
- [Can Federal Employees Have Two Roth Accounts?](https://fedpilot.com/blog/2024/09/24/can-federal-employees-have-two-roth-accounts/): Hello, Feds! Today, I want to address a question that many of you might have: Can I have two Roth accounts? The answer is yes! You can actually have a Roth within your TSP and another Roth outside of the TSP. But before you get too excited, let's dive into how this works.

## Pages
- [Operations Specialist Job Application](https://fedpilot.com/opspecialist/)
- [CustomWorkshop](https://fedpilot.com/custom/): Are your employees intimidated by their federal retirement? You are in the right place!  Let's talk about how to get your employees on up-to-speed on their retirement benefits by doing an online or in-person workshop.
- [Workshop Resources2 – TM](https://fedpilot.com/info-tm/): Share this workshop
- [Workshop Resources2 – LW](https://fedpilot.com/info-lw/): Share this workshop
- [Evaluation-lw](https://fedpilot.com/eval-lw/)
- [Federal Retirement Benefits Workshop -LW](https://fedpilot.com/lw/): (All education. No sales. Just facts.)
- [Registration Confirmation-LW](https://fedpilot.com/regconf3-lw/): NOTE: if you don’t see the email, check your junk/spam file.
- [Evaluation-TM](https://fedpilot.com/eval-tm/)
- [Registration Confirmation-TM](https://fedpilot.com/regconf3-tm/): NOTE: if you don’t see the email, check your junk/spam file.
- [Federal Retirement Benefits Workshop – TM](https://fedpilot.com/tm/): (All education. No sales. Just facts.)
- [Workshop Resources2 – DS](https://fedpilot.com/info-ds/): Share this workshop
- [Evaluation-DS](https://fedpilot.com/eval-ds/)
- [Registration Confirmation-DS](https://fedpilot.com/regconf3-ds/): NOTE: if you don’t see the email, check your junk/spam file.
- [Federal Retirement Benefits Workshop – DS](https://fedpilot.com/ds/): (All education. No sales. Just facts.)
- [Evaluation-rh](https://fedpilot.com/eval-rh/)
- [Registration Confirmation-RHL](https://fedpilot.com/regconf3-rhl/): NOTE: if you don’t see the email, check your junk/spam file.
- [Federal Retirement Benefits Workshop – RHL](https://fedpilot.com/rhl/): (All education. No sales. Just facts.)
- [Evaluation-DO](https://fedpilot.com/eval-do/)
- [Workshop Resources2 – DO](https://fedpilot.com/info-do/): Share this workshop
- [Evaluation-WE](https://fedpilot.com/eval-we/)
- [Registration Confirmation-WE](https://fedpilot.com/regconf3-we/): NOTE: if you don’t see the email, check your junk/spam file.
- [Federal Retirement Benefits Workshop – WE](https://fedpilot.com/we/): (All education. No sales. Just facts.)
- [Workshop Resources2 – WE](https://fedpilot.com/info-we/): Share this workshop
- [Evaluation-CN](https://fedpilot.com/eval-cn/)
- [Workshop Resources – MD](https://fedpilot.com/info-md/): Share this workshop
- [Registration Confirmation-DO](https://fedpilot.com/regconf3-do/): NOTE: if you don’t see the email, check your junk/spam file.
- [Federal Retirement Benefits Workshop – DO](https://fedpilot.com/do/): (All education. No sales. Just facts.)
- [Registration Confirmation-CN](https://fedpilot.com/regconf3-cn/): NOTE: if you don’t see the email, check your junk/spam file.
- [Workshop Resources – CN](https://fedpilot.com/info-cn/): Share this workshop
- [Federal Retirement Benefits Workshop – CN](https://fedpilot.com/cn/): (All education. No sales. Just facts.)
- [Workshop Resources – ES](https://fedpilot.com/info-es/): Share this workshop
- [Evaluation-MP](https://fedpilot.com/eval-mp/)
- [Workshop Resources – MP](https://fedpilot.com/info-mp/): Share this workshop
- [Registration Confirmation-MP](https://fedpilot.com/regconf3-mp/): NOTE: if you don’t see the email, check your junk/spam file.
- [Federal Retirement Benefits Workshop – MP](https://fedpilot.com/mp/): (All education. No sales. Just facts.)
- [Evaluation-MD](https://fedpilot.com/eval-md/)
- [Federal Retirement Benefits Workshop -MD](https://fedpilot.com/md/): (All education. No sales. Just facts.)
- [Registration Confirmation-MD](https://fedpilot.com/regconf3-md/): NOTE: if you don’t see the email, check your junk/spam file.
- [Evaluation-JT](https://fedpilot.com/eval-jt/)
- [Federal Retirement Benefits Workshop – JT](https://fedpilot.com/jt/): (All education. No sales. Just facts.)
- [Registration Confirmation-JT](https://fedpilot.com/regconf3-jt/): NOTE: if you don’t see the email, check your junk/spam file.
- [Workshop Resources2 – JT](https://fedpilot.com/info-jt/): Share this workshop
- [Federal Retirement Benefits Workshop – MW2](https://fedpilot.com/mw2/): (All education. No sales. Just facts.)
- [Registration Confirmation-MW2](https://fedpilot.com/regconf3-mw2/): NOTE: if you don’t see the email, check your junk/spam file.
- [Workshop Resources2 – PB](https://fedpilot.com/info-pb/): Share this workshop
- [Workshop Resources2 – BC](https://fedpilot.com/info-bc/): Share this workshop
- [Evaluation-SM](https://fedpilot.com/eval-sm/)
- [Registration Confirmation-SM](https://fedpilot.com/regconf3-sm/): NOTE: if you don’t see the email, check your junk/spam file.
- [Federal Retirement Benefits Workshop – SM](https://fedpilot.com/sm/):   In the webinar we will explore the top questions that are rarely asked and the answers that make all the difference to your federal retirement.
- [Workshop Resources – SM](https://fedpilot.com/info-sm/): LINKS & FORMS
- [Workshop Resources2 – JD](https://fedpilot.com/info-jd/): Share this workshop
- [Workshop Information – TD](https://fedpilot.com/info-td/): Share this workshop
- [Evaluation-BC](https://fedpilot.com/eval-bc/)
- [Registration Confirmation-bc](https://fedpilot.com/regconf3-bc/): NOTE: if you don’t see the email, check your junk/spam file.
- [Federal Retirement Benefits Workshop – BC](https://fedpilot.com/bc/): (All education. No sales. Just facts.)
- [Speaker/Trainer Job Application](https://fedpilot.com/speakerapp/)
- [Evaluation-ES](https://fedpilot.com/eval-es/)
- [Registration Confirmation-DJ2](https://fedpilot.com/regconf3-dj2/): NOTE: if you don’t see the email, check your junk/spam file.
- [Federal Retirement Benefits Workshop – DJ2](https://fedpilot.com/dj2/): (no cost, nothing to buy, just education)
- [Registration Confirmation-ES LnL](https://fedpilot.com/regconf3-eslnl/): NOTE: if you don’t see the email, check your junk/spam file.
- [Federal Retirement Benefits Workshop – ES LnL](https://fedpilot.com/eslnl/): Who is it for? What are the details? What should you be careful about? What YOU should do.
- [Registration Confirmation-ES](https://fedpilot.com/regconf3-es/): NOTE: if you don’t see the email, check your junk/spam file.
- [Federal Retirement Benefits Workshop – ES](https://fedpilot.com/es/): (All education. No sales. Just facts.)
- [Workshop Resources – DJ](https://fedpilot.com/info-dj/): LINKS & FORMS
- [Webinar Login – WB](https://fedpilot.com/login-wb/): You can log in to your webinar 10 minutesbefore your scheduled time.
- [Webinar Login – TBW](https://fedpilot.com/login-tbw/): You can log in to your webinar 10 minutesbefore your scheduled time.
- [Webinar Login JM](https://fedpilot.com/login-jm/): You can log in to your webinar 10 minutesbefore your scheduled time.
- [Webinar Login](https://fedpilot.com/login-aa/): You can log in to your webinar 10 minutesbefore your scheduled time.
- [Webinar Login-EP](https://fedpilot.com/login-ep/): You can log in to your webinar 10 minutesbefore your scheduled time.
- [Federal Retirement Benefits Workshop – TD2](https://fedpilot.com/td2/): (All education. No sales. Just facts.)
- [Registration Confirmation-td2](https://fedpilot.com/regconf3-td2/): NOTE: if you don’t see the email, check your junk/spam file.
- [Evaluation-JD](https://fedpilot.com/eval-jd/)
- [Registration Confirmation-jd](https://fedpilot.com/regconf3-jd/): NOTE: if you don’t see the email, check your junk/spam file.
- [Federal Retirement Benefits Workshop – JD](https://fedpilot.com/jd/): (All education. No sales. Just facts.)
- [Evaluation-PB](https://fedpilot.com/eval-pb/)
- [Registration Confirmation-PB](https://fedpilot.com/regconf3-pb/): NOTE: if you don’t see the email, check your junk/spam file.
- [Federal Retirement Benefits Workshop – PB](https://fedpilot.com/pb/): (All education. No sales. Just facts.)
- [Registration Confirmation-td](https://fedpilot.com/regconf3-td/): NOTE: if you don’t see the email, check your junk/spam file.
- [Evaluation-td](https://fedpilot.com/eval-td/)
- [Federal Retirement Benefits Workshop – TD](https://fedpilot.com/td/): (All education. No sales. Just facts.)
- [Evaluation-DJ](https://fedpilot.com/eval-dj/)
- [Registration Confirmation-DJ](https://fedpilot.com/regconf3-dj/): NOTE: if you don’t see the email, check your junk/spam file.
- [Federal Retirement Benefits Workshop – DJL](https://fedpilot.com/djl/): Want to join the webinar? CLICK HERE.
- [Evaluation-MT](https://fedpilot.com/eval-mt/)
- [Federal Retirement Benefits Workshop – DJ](https://fedpilot.com/dj/): (no cost, nothing to buy, just education)
- [LNL Registration Confirmation-MT](https://fedpilot.com/regconflnl-mt/): NOTE: if you don’t see the email, check your junk/spam file.
- [Lunch & Learn Workshop – MT](https://fedpilot.com/mtlnl/): (no cost, nothing to buy, just education)
- [LNL Registration Confirmation-WB](https://fedpilot.com/regconflnl-wb/): NOTE: if you don’t see the email, check your junk/spam file.
- [Lunch & Learn Workshop – WB](https://fedpilot.com/wblnl/): (no cost, nothing to buy, just education)
- [Registration Confirmation-fms](https://fedpilot.com/regconf3-fms-a/): NOTE: if you don’t see the email, check your junk/spam file.
- [Federal Retirement Benefits Workshop – FMS-agency](https://fedpilot.com/fms-a/): (All education. No sales. Just facts.)
- [Lunch & Learn Login](https://fedpilot.com/lnl/): You can log in to your webinar 10 minutesbefore your scheduled time.
- [LNL Registration Confirmation-RN](https://fedpilot.com/regconflnl-rn/): NOTE: if you don’t see the email, check your junk/spam file.
- [Lunch & Learn Workshop – RN](https://fedpilot.com/rnlnl/): (no cost, nothing to buy, just education)
- [Evaluation-FMS](https://fedpilot.com/eval-fms/)
- [Evaluation-OH](https://fedpilot.com/eval-oh/)
- [Evaluation-WB](https://fedpilot.com/eval-wb/)
- [Evaluation-MW](https://fedpilot.com/eval-mw/)
- [Evaluation-AA](https://fedpilot.com/eval-aa/)
- [Evaluation-RN](https://fedpilot.com/eval-rn/)

## Categories
- [FEGLI - Life Insurance](https://fedpilot.com/fegli-life-insurance/)
- [General Questions](https://fedpilot.com/general-questions/)
- [Healthcare - FEHB & Medicare](https://fedpilot.com/healthcare-fehb-medicare/)
- [Pension](https://fedpilot.com/pension/)
- [Social Security](https://fedpilot.com/social-security/)
- [Special Retirement Supplement (FERS)](https://fedpilot.com/special-retirement-supplement-fers/)
- [Survivor's Benefits](https://fedpilot.com/survivors-benefits/)
- [TSP](https://fedpilot.com/tsp/)
- [Uncategorized](https://fedpilot.com/uncategorized/)