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.

Is Military Time Creditable Towards the FERS Multiplier?

By on June 3, 2014 in Q&A with 0 Comments

Does 3 years of Military Time that was “bought back”along with 17 years of civilian Federal Service count toward 20 years of creditable service making one eligible for a FERS 1.1% multiplier if that person retires after age 62?

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Am I Legal?

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

Am I legal? I am wondering about this because of what was stated in your article, Retired Reservists Can Legally “Double Dip”.

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FERS, FERS-RAE, FERS-FRAE… What Does All This Mean?

By on April 7, 2014 in Retirement with 0 Comments

The alphabet soup of government acronyms got a couple new ingredients over the past year and a half: the FERS (Federal Employees Retirement System) was joined by FERS-RAE in January 2013 and by FERS-FRAE in January 2014. What are these new acronyms and what changes do they indicate?

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Retirement Myths: Can You Increase Your FEGLI Coverage — or Not?

By on January 9, 2014 in Pay & Benefits with 0 Comments

You may be able to acquire more FEGLI coverage by providing medical evidence of insurability or by experiencing a “qualifying life event” (QLE).

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Retirement Myths: What Determines Your Retirement Annuity?

By on August 12, 2013 in Retirement with 0 Comments

Your FERS or CSRS annuity will continue for the rest of your life, and the amount of your annuity is determined by your high-3 average salary and your years of service. The amount that you contributed to FERS or CSRS doesn’t matter.

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Retirement Myths: Retirement and Your Sick Leave Increments

By on June 25, 2013 in Retirement with 0 Comments

The authors point out that as few as six hours of sick leave can increase your retirement annuity.

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Retirement Myths: FEHBP Enrollment

By on June 6, 2013 in Retirement with 0 Comments

A common misconception about federal employee retirement benefits is that you and your spouse must have been enrolled in the Federal Employees Health Benefits Program for five years in order to have family coverage in retirement. The authors offer some clarifying details.

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Retired Reservists Can Legally "Double Dip"!

It is a common misconception that anyone receiving military retired pay cannot also receive federal civilian retirement credit for their military service. However, a significant exception applies to people receiving military retired pay based on reserve service.

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How is My "High-3 Average Pay" Calculated? (Part 2)

In the second article in the series, the author goes into some additional detail about the three basic aspects of the high-3 average pay calculation.

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How is My "High-3 Average Pay" Calculated? (Part 1)

By on February 14, 2013 in Pay & Benefits, Retirement with 0 Comments

The high-3 average pay is a basic component of an employee’s retirement contribution that federal employees often find confusing. The author offers some detailed explanation to take the mystery out of it.

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