Ehren Clovis

Ehren Clovis retired from federal service after a career as a Benefits Specialist. She dealt with the employees of many federal agencies, and acquired broad knowledge and experience with federal benefits, including the special retirement provisions for federal Law Enforcement Officers (LEOs). Now she presents retirement and benefits training for federal employees through Federal Career Experts, Inc., and counsels individual clients through her home business, Federal Benefits On Call.

CSRS Offset: An Explanation of the Basics

By on April 2, 2019 in Retirement with 0 Comments
CSRS Offset: An Explanation of the Basics

What is CSRS Offset, and what impact does it have on your pension in retirement?

Continue Reading »

Your Federal Benefits: What Should Your Primary Survivor Do When You Die?

By on March 7, 2019 in Pay & Benefits with 0 Comments
Your Federal Benefits: What Should Your Primary Survivor Do When You Die?

There are important actions your primary survivor needs to take regarding your federal benefits in the event of your death.

Continue Reading »

The ‘Best’ Retirement Dates in 2019

By on October 22, 2018 in Retirement with 0 Comments
The ‘Best’ Retirement Dates in 2019

What are the “best” dates to retire in 2019? The author offers some important considerations for FERS and CSRS federal employees.

Continue Reading »

What Should Your Surviving Spouse Do About Your Work-Related Benefits When You Die?

By on March 28, 2016 in Pay & Benefits, Retirement with 0 Comments

If you are the spouse of a federal employee who has passed away, what do you need to do with regards to the benefits? And if you are a federal employee, what should you do to make sure your spouse is prepared if you die? This is a list of steps to take should this unfortunate event take place.

Continue Reading »

The Best Day to Retire in 2015

By on December 17, 2014 in Retirement with 0 Comments

The author says that while you can retire on any date that you choose, there may be some advantages to retiring at certain times of the month or year. She shares her opinions as to which dates she believes may be best dates for federal employees to consider retiring.

Continue Reading »

What is the Best Date to Retire?

By on December 10, 2014 in Q&A, Retirement with 0 Comments

I am planing to retire this FY. I am trying to determine if hanging until Jan. 10, 2015 for full lump sum (448 hours) is a better option than going 12/31/14 which would obviously get my annuity started 1 month earlier.

Continue Reading »

Do 'Unpaid Entries' Change My Service Computation Date for Retirement?

By on September 18, 2014 in Q&A, Retirement with 0 Comments

I recently received a “Certified Summary of Federal Service” and noticed that there were several entries annotated with “FICA Only — Deposit Not Paid” and my SCD is a later date than I have had for the last 25 years or so. Did those unpaid entries change my SCD for retirement?

Continue Reading »

What's the Rationale Behind the Best Dates to Retire in 2014?

By on September 9, 2014 in Pay & Benefits, Q&A, Retirement with 0 Comments

Could you explain the rationale for the best dates to retire? For example why is Dec 28 better than Dec 31 for 2014?

Continue Reading »

Adding Federal Service to State Retirement System

By on August 14, 2014 in Q&A, Retirement with 0 Comments

Can a former federal employee add federal service time to a state employment system?

Continue Reading »

Calculating Your High Three Salary

By on July 14, 2014 in Q&A, Retirement with 0 Comments

Does OPM base the CSRS retirement calculation on an employee’s high-three annual BASE PAY or LOCALITY PAY when determining the annual retirement payment?

Continue Reading »

Contact Ehren Clovis

Top