Q&A

Our Q&A section features questions that the FedSmith.com authors answer that our readers send to them. We share them here to help you with your federal career as well as planning for your retirement. We encourage you to send your questions to the authors for use in future posts.

Surviving a Financial ‘Bear Attack’

May 6, 2020 8:48 AM , Updated October 10, 2020 11:22 AM
Surviving a Financial ‘Bear Attack’

A recent retired federal employee is worried about the stock market drop and asks what he can do to protect his retirement savings.

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Coronavirus Pandemic Whistleblowing for Federal Employees

April 29, 2020 10:22 AM , Updated May 11, 2020 8:28 AM
Coronavirus Pandemic Whistleblowing for Federal Employees

Some federal employees may consider whistleblowing if they feel agencies are putting them at undue risk from the coronavirus. These are some things to consider.

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When Might We See Imperial County Get Locality Pay?

July 11, 2019 6:05 PM , Updated July 22, 2019 9:24 AM

What are the chances of Imperial County being added as a new pay locality next year?

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Can Congress Overturn an OPM Reclassification Decision?

May 22, 2019 12:19 PM , Updated June 3, 2019 7:02 AM

Is there any precedent for employees “winning” reclassification of their position via legal/political means?

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Am I Allowed to Contribute to Both a Roth IRA and the Roth TSP?

April 24, 2019 2:14 PM , Updated May 4, 2019 1:21 PM
Am I Allowed to Contribute to Both a Roth IRA and the Roth TSP?

Can I contribute to both a Roth IRA and the Roth TSP?

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Why Are the New Locality Pay Increases So Small?

April 4, 2019 9:37 AM , Updated April 16, 2019 10:18 AM
Why Are the New Locality Pay Increases So Small?

I was shocked by the small pay increases under the new locality areas. Am I missing something?

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When Do I Begin Receiving the FERS Annuity Supplement?

March 26, 2019 11:37 AM , Updated April 5, 2019 9:37 AM

 I just received my first interim FERS payment. When can I expect to begin receiving the supplement?

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What Portion Do You Get Back from the FERS Refund?

February 23, 2019 11:22 AM , Updated March 5, 2019 7:19 AM
What Portion Do You Get Back from the FERS Refund?

If you take the FERS refund, what portion of the contributions do you get back?

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Will FEHB Coverage Continue During a Shutdown?

January 14, 2019 2:17 PM , Updated January 24, 2019 1:34 PM

Does FEHB coverage ever cease under a partial government shutdown?

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How Does the Annual COLA Affect FERS Transferees?

October 31, 2018 2:39 PM , Updated November 13, 2018 12:43 PM
How Does the Annual COLA Affect FERS Transferees?

I am a FERS Transferee. How does the cost of living adjustment (COLA) affect my annuity payment?

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