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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.

Congressional Term Limits Without a Constitutional Amendment

FedSmith.com author Ralph R. SmithBy Ralph R. SmithApr 19, 2018 2:21 PM Categories Pay & Benefits Leave a comment

A bill has been introduced in an attempt to limit the time an elected representative would likely serve in Congress without requiring a Constitutional amendment.

Federal Employee Retirement, Politics and Being Fired

FedSmith.com author Ralph R. SmithBy Ralph R. SmithMar 20, 2018 3:55 PM Categories Pay & Benefits Leave a comment

Andrew McCabe was fired from the FBI shortly before becoming eligible for a federal pension at 50. Reports indicate he has lost his federal pension, but is that really accurate?

How Much is the Maximum Annuity Supplement?

By Robert F. BensonMar 20, 2018 10:11 AM | Updated: Mar 30, 2018 11:59 AM Categories Pay & Benefits Leave a comment

How do you calculate the maximum FERS annuity supplement? It’s actually a complex calculation. The author breaks down the process.

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

By Debbie VenselMar 8, 2018 2:00 PM Categories Retirement, Q&A Leave a comment

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?

No Interim Pay for Some FERS Retirees?

By Robert F. BensonFeb 26, 2018 3:22 PM | Updated: Mar 2, 2018 11:58 AM Categories Retirement Leave a comment

How does interim pay work with the FERS Annuity Supplement? The author provides an explanation.

Will I Be Included in the Proposed Benefits Cuts?

FedSmith.com author Ian SmithBy Ian SmithFeb 25, 2018 1:47 PM | Updated: Mar 2, 2018 11:58 AM Categories Pay & Benefits Leave a comment
Frightened businessman under a huge red arrow trending downwards indicating negative returns and/or pay/benefits cuts

Benefits cuts for federal employees have once again made their way into the latest budget proposal. What can federal employees do in the meantime?

Do Not Let OPM Reduce Your Retirement Benefits Without an Appeal

FedSmith.com author Mathew B. Tully, Esq.By Mathew B. Tully, Esq.Feb 22, 2018 2:55 PM | Updated: Feb 28, 2018 3:05 PM Categories Retirement Leave a comment
Stack of cash sitting underneath a judge's gavel on a desk

Some retired federal employees were recently notified by OPM that their annuity payments were being reduced. Do they have any appeal options?

Can LEO Employees Extend Their Service Outside of Law Enforcement to Become Eligible for the 1.1% Annuity Computation?

FedSmith.com author John GrobeBy John GrobeFeb 22, 2018 11:14 AM Categories Q&A, Retirement Leave a comment

Can a law enforcement employee extend working years in a non-law enforcement capacity to become eligible for the 1.1% FERS annuity calculation?

Are Abnormally Successful Feds Faking Their Own Death for Financial Gains?

FedSmith.com author Randy SilveyBy Randy SilveyFeb 21, 2018 2:31 PM | Updated: Feb 28, 2018 3:05 PM Categories Retirement Leave a comment
Illustration of a graveyard tombstone surrounded by stacks of cash and coins - financial/estate planning concept

How would your spouse get by in retirement if you were to pass away? The author discusses how imagining this scenario can help with your retirement planning.

What’s the Impact of the [PROPOSED] FERS Benefit Cuts?

By Kelly MonroeFeb 18, 2018 6:34 PM | Updated: Feb 26, 2018 10:36 AM Categories Pay & Benefits, Retirement Leave a comment
Illustration showing a green banner labeled 'FERS benefits' being cut with scissors next to a thermometer labeled mild, moderate and severe

The White House’s 2019 budget outlined a number of proposed cuts to federal employees’ benefits. How much of an impact would these have on your retirement?

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April 10, 2026

Fund Last % YTD
G Fund $19.8154 +0.01% +1.16%
F Fund $20.9622 -0.12% +0.39%
C Fund $109.4304 -0.10% -0.08%
S Fund $103.1166 -0.39% +2.70%
I Fund $60.3073 +0.45% +8.68%
L Income $29.7669 +0.02% +1.79%
L 2030 $59.4657 +0.03% +2.35%
L 2035 $18.1407 +0.03% +2.61%
L 2040 $69.6327 +0.03% +2.72%
L 2045 $19.2855 +0.03% +2.82%
L 2050 $42.7658 +0.04% +2.92%
L 2055 $22.1381 +0.05% +3.31%
L 2060 $22.1355 +0.05% +3.31%
L 2065 $22.1327 +0.05% +3.31%
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L 2075 $11.4584 +0.05% +3.31%
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