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FERS

Stay informed on the latest FERS retirement news, including updates on FERS annuity calculations, retirement eligibility rules, service credit, COLA adjustments, and federal retirement policies that affect current and future retirees. Find clear explanations of FERS benefits, survivor options, the FERS supplement, and key guidance to help federal employees understand how their retirement income is calculated and how policy changes may impact long‑term financial security.

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.

Should We Kill FERS?

By Jeff NealSep 3, 2018 10:47 AM | Updated: Sep 10, 2018 4:34 PM Categories Retirement Leave a comment
Middle aged businessman clutching a piggy bank tightly as the hands of another businessman are trying to take it away from him depicting theft/taking away retirement/pension plans

Pension plans are becoming less common in the private sector. Should the government follow suit? The author discusses the situation.

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?

Taxes Are Temporarily ‘On Sale’ – Are You Taking Advantage?

By Tom WalkerJul 30, 2018 3:44 PM | Updated: Feb 21, 2020 12:41 PM Categories Retirement Leave a comment
Word 'tax' written on a chalkboard with a hand drawing a line through it depicting tax breaks/tax savings/tax deductions

With federal spending rising, future individual tax rates are expected to be higher. The author describes options for offsetting this potential tax burden.

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.

Four Reasons Not To Take A TSP Loan

By Alexis HongamenJul 16, 2018 3:18 PM Categories Pay & Benefits Leave a comment
Old style alarm clock on a table next to a scattering of coins and a pink piggy bank depicting growing wealth over time/savings for retirement

Federal employees can borrow against their TSP accounts to raise cash. However, the author advises that this is not a good idea.

Is Working after Retirement Worth the Costs?

FedSmith.com author Randy SilveyBy Randy SilveyJul 12, 2018 3:20 PM | Updated: Jul 23, 2018 10:51 AM Categories Q&A, Retirement Leave a comment
Blended image of an old style alarm clock, calculator and growing stacks of coins in a row depicting growth of retirement savings over time/time is money concept

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

What Does ‘Creditable Civilian Service’ Mean?

FedSmith.com author John GrobeBy John GrobeJul 10, 2018 3:42 PM Categories Retirement, Q&A Leave a comment
Compass with the arrow pointing towards the word 'retirement'

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

3 Bad Days or 6 Lucky Numbers

FedSmith.com author Ann WertsBy Ann WertsJun 11, 2018 2:13 PM Categories Retirement Leave a comment
Series of bingo ping-pong balls each with a different number on them lined up against a solid white background

Do you know your lucky numbers for retirement? The author lists six important ones for federal employees in their retirement planning.

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April 24, 2026

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