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Annuity

Stay informed on federal retirement annuities under both FERS and CSRS, including updates on annuity calculations, eligibility rules, service credit, survivor benefits, and COLA adjustments that affect long‑term retirement income. Explore clear explanations of how federal pensions are computed, how policy or legislative changes may impact annuity payments, and what federal retirees need to know about planning for financial security. Find timely analysis and practical guidance to help federal employees and retirees understand the factors that shape their annuity benefits.

When Will the COLA Increase Appear in My Annuity Check?

FedSmith.com author Ian SmithBy Ian SmithOct 19, 2018 3:37 PM | Updated: Oct 29, 2018 9:56 AM Categories Q&A, Retirement Leave a comment
Stack of coins with two peoples' thumbs holding index cards with question marks on them on both sides of the coins depicting questions about money/salary

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

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

FedSmith.com author John GrobeBy John GrobeSep 29, 2018 5:45 PM | Updated: Oct 10, 2018 9:58 AM Categories Q&A, Retirement Leave a comment
Flip chart sign labeled 'part-time work' next to an hourglass

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

How is the FERS Annuity Supplement Calculated?

By Robert F. BensonSep 24, 2018 1:22 PM | Updated: Oct 2, 2018 11:36 AM Categories Retirement Leave a comment
Close up of a woman's hands working on a calculator and writing notes as she performs financial calculations sitting at a desk

How does one calculate the special retirement supplement for FERS employees?

A New Tool for the Annuity Supplement

By Robert F. BensonSep 5, 2018 2:35 PM | Updated: Sep 14, 2018 12:20 PM Categories Retirement Leave a comment

The author says that OPM should develop software to aid in calculating the FERS annuity supplement.

4 Things to Know About Your FERS Annuity

FedSmith.com author Brad BobbBy Brad BobbAug 22, 2018 2:23 PM Categories Retirement Leave a comment
Glass jar lying on its side labeled 'retirement' next to a notebook and calculator on a desk depicting annuity/retirement savings

Are you aware of these four key elements of your FERS annuity?

How Much Difference Does Changing Annuity Contribution Rates Make?

By Robert F. BensonJul 26, 2018 3:49 PM | Updated: Aug 3, 2018 5:16 PM Categories Retirement Leave a comment
Person putting coins into a jar labeled 'pension' depicting annuity/retirement savings under FERS for federal employees

How much of an impact do the increased retirement contributions under FERS have for retirement savings overall? The author analyzes some numbers.

House Budget Resolution Would Increase Retirement Contributions

FedSmith.com author Ian SmithBy Ian SmithJun 25, 2018 8:03 AM | Updated: Jul 1, 2018 9:29 AM Categories Retirement Leave a comment

A House budget resolution proposes increasing retirement contributions for federal employees and Members of Congress.

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

FedSmith.com author John GrobeBy John GrobeJun 11, 2018 11:48 AM | Updated: Jun 19, 2018 7:29 PM Categories Q&A, Retirement Leave a comment
Pink piggy bank surrounded by a small scattering of gold coins on a wooden tabletop

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

Retire at Age 61?

By Robert F. BensonMay 14, 2018 3:19 PM | Updated: Aug 8, 2018 12:00 PM Categories Retirement Leave a comment
Directional sign next to a road with one part labeled 'work' pointing in one direction and another part labeled 'retire' pointing in the opposite direction

What impact can waiting an extra year to retire have on a FERS annuity? The difference might surprise you.

OPM Proposes Changes to Bring Federal Benefits Closer to Private Sector

FedSmith.com author Ralph R. SmithBy Ralph R. SmithMay 7, 2018 4:59 PM | Updated: Jun 24, 2018 9:46 AM Categories Pay & Benefits Leave a comment
Cartoon illustration of a businessperson's hand holding up a scale with employees on one side and a stack of money on another depicting cost controls for employee benefits and human resources

Major changes to federal employee benefits would save about $143,509,000,000 over ten years according to new legislative proposals from OPM director Jeff Pon.

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April 10, 2026

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