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.
Pension
FERS Military Deposit: 3 Critical Steps to Boost Your Pension
The short answer: A FERS military deposit lets a federal employee receive civilian pension credit for […]
FERS High-3 Salary: 3 Costly Mistakes to Avoid
The short answer: Your FERS high-3 salary is the average of your highest 36 consecutive months […]
How Part-Time Federal Service Reduces Your FERS Pension (And What to Do About It)
Update October 15, 2026: An earlier version of this post said the FERS High-3 is computed […]
FERS Diet COLA Explained: Why Your 2027 Pension Adjustment May Fall Short of Inflation | Fed Pilot
Update October 14, 2026: The projection in this post has resolved. The Social Security Administration announced […]
MRA+10 Retirement: When the 5% Per Year Reduction Is Worth It (And When to Postpone Instead)
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.
Sick Leave Credit at Retirement: How Unused Sick Leave Boosts Your FERS Pension
Sick Leave Credit at Retirement: How Unused Sick Leave Boosts Your FERS Pension Most federal employees […]
FERS COLA Explained: How Your Pension Adjusts for Inflation — And Why It’s Less Than You Think
If you’re a federal employee approaching retirement, you’ve probably heard the term COLA — Cost-of-Living Adjustment. […]
FERS Survivor Benefits: What Happens to Your Spouse When You’re Gone?
FERS Survivor Benefits: What Happens to Your Spouse When You’re Gone? You’ve spent decades building your […]
How to Calculate Your FERS Pension: A Step-by-Step Guide for Federal Employees
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.