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.

When Will the COLA Increase Appear in My Annuity Check?

October 19, 2018 3:37 PM , Updated October 29, 2018 9:56 AM
When Will the COLA Increase Appear in My Annuity Check?

I am a federal retiree. When will I see the annual COLA increase in my annuity payments?

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Is ‘When Actually Employed’ Service Treated Differently From Full-Time Service?

September 29, 2018 5:45 PM , Updated October 10, 2018 9:58 AM
Is ‘When Actually Employed’ Service Treated Differently From Full-Time Service?

Is WAE (When Actually Employed) service treated differently from full-time service?

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Is Working after Retirement Worth the Costs?

July 12, 2018 3:20 PM , Updated July 23, 2018 10:51 AM
Is Working after Retirement Worth the Costs?

Is it true that there is an income limit for federal retirees under FERS who work after retiring from federal service?

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What Does ‘Creditable Civilian Service’ Mean?

July 10, 2018 3:42 PM , Updated July 17, 2018 4:39 PM
What Does ‘Creditable Civilian Service’ Mean?

I often see the phrase “creditable civilian service” in FedSmith articles – what does this mean?

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How is Your Retirement Annuity Calculated When Switching From CSRS to FERS?

June 11, 2018 11:48 AM , Updated June 19, 2018 7:29 PM
How is Your Retirement Annuity Calculated When Switching From CSRS to FERS?

How is a retirement annuity calculated for someone who switched from CSRS to FERS?

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Will My Federal Retirement Benefits Be a Meaningful Source of Income for Me?

May 22, 2018 3:28 PM , Updated June 2, 2018 10:30 AM
Will My Federal Retirement Benefits Be a Meaningful Source of Income for Me?

I entered federal service late in my working life (at age 52). Will my federal retirement benefits be a meaningful source of income for me?

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TSP and Combat Zone Pay

April 18, 2018 12:36 PM , Updated April 30, 2018 12:06 PM
TSP and Combat Zone Pay

I contributed to the Thrift Savings Plan from tax exempt combat zone pay. What will happen when I begin withdrawing money from the TSP?

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Marrying Before or After Your Federal Retirement: Pros vs. Cons

March 14, 2018 10:33 AM , Updated March 20, 2018 8:11 AM
Marrying Before or After Your Federal Retirement: Pros vs. Cons

I’m retiring in a few years and I’m in a long-term relationship, but I’m not married. What are the pros and cons of marrying before or after retirement?

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Is Common Sense All You Need to Plan Your Retirement?

March 12, 2018 12:05 PM , Updated March 17, 2018 9:43 AM
Is Common Sense All You Need to Plan Your Retirement?

I’ve read about what to do with my TSP after retirement, but I believe all we can do is use common sense and hope that our money will grow and last.

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Can I Estimate What My Monthly CSRS and Social Security Payments Will Be?

March 8, 2018 2:00 PM , Updated March 15, 2018 5:57 PM
Can I Estimate What My Monthly CSRS and Social Security Payments Will Be?

I’m confused about my 35 years of CSRS Offset and Social Security pensions. Can I estimate how much will I get in monthly pensions from both?

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