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FERS Minutes*

FERS vs CSRS

FERS vs CSRS

CSRS was the old retirement system retired in 1984. CSRS is pension only while FERS is the pension, SS, and the TSP match.

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FERS Pyramid

FERS Pyramid

In the last video I alluded to this concept of the FERS pyramid. It is so named because each part has a different role to play in retirement.

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High 3

High 3

The high-3 is very important to the calculation of your FERS pension. It is the basis to determine what you receive in retirement.

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Primary to Secondary

Primary to Secondary

If you are and SCE employee and you move from a primary position to a secondary one, how does that affect your SCE benefits?

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Different FERS Deductions

Different FERS Deductions

I have some information for you: you do actually pay for your FERS annuity or pension.

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Military Time Part 1

Military Time Part 1

If you served in the military you have the option to purchase back honorable service time.

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Military Time Part 2

Military Time Part 2

One of the questions I get is what would happen if I get deployed while I am working for the government? What happens to my time then?

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RAS Part 1

RAS Part 1

The retirement annuity supplement, or what I will call RAS for now on, is an additional pension that some will receive along with your FERS pension.

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RAS Part 2

RAS Part 2

There are a couple of things that you need to be aware of when it comes to the RAS.

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RAS Part 3

RAS Part 3

A couple of clarification points on the RAS.

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Retirement Eligibility

Retirement Eligibility

When are you eligible to retire under FERS?

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Survivorship Benefits

Survivorship Benefits

When you retire, you have three options when taking your FERS pension.

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Unused Sick Leave

Unused Sick Leave

Since January of 2014, FERS employees receive 100% credit for their unused sick leave to their retirement. This means that you could use the sick leave to get more in retirement.

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Cost of Living Adjustment (COLA)

Cost of Living Adjustment (COLA)

The cost of living adjustment, or COLA, is one of the greatest benefits of the FERS pension.

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Death Benefit Retirement

Death Benefit Retirement

What happens to your pension if you were to pass away before retirement? Find out here.

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Government Re Employment

Government Re Employment

Lets just say that you retire and miss working for the government so much, that you decide you want to go back. How does that affect your annuity?

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Disability Retirement Part 1

Disability Retirement Part 1

If you have worked 18 months or more in the government and then become disabled, you are eligible for disability retirement.

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Disability Retirement Part 2

Disability Retirement Part 2

How much will you be expected to receive when receiving disability retirement?

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Thrift Savings Plan

Thrift Savings Plan

The TSP is a retirement vehicle provided by the government to invest in for retirement. It has two parts: TSP and Roth TSP.

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TSP Investment Options

TSP Investment Options

The TSP has essentially 5 investment options: C, S, I, F, and G Funds. I do not include the L funds as one of the investment options because they are simply a mix of the previously mentioned 5 funds.

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TSP Withdrawal Options

TSP Withdrawal Options

Generally you may not withdraw from you TSP until you reach the age of 55 (unless you are and SCE employee).

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TSP Loans

TSP Loans

One way to access your funds before retirement is a TSP loan. There are two types: residential and general purpose.

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TSP Considerations

TSP Considerations

To wrap up our videos on TSP, I want to go over some additional things you need to be aware of.

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Divorce & FERS

Divorce & FERS

There is a common misconception that somehow federal law automatically grants a portion of your FERS benefits to a former spouse.

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When to Retire

When to Retire

First it is important to understand that your FERS annuity will be paid out on the first day of the next month from the day you retire.

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Retirement Timeline

Retirement Timeline

About three to four weeks after you retire, you will receive a card that will have a claim number for your retirement.

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FEHBP

FEHBP

If you were covered under the federal employee health benefits program, or FEHBP, continually for the 5 years before retirement, you are eligible to continue that coverage into retirement.

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FEGLI

FEGLI

FEGLI is another insurance that you can carry into retirement. There are four different options for coverage.

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HR 2146

HR 2146

On June 29, 2015, HR 2146 or the Defending Public Safety Employees' Retirement Act was passed. This law is intended to help those who are eligible to retire to access their TSP before age 55.

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TSP Modernization Act

TSP Modernization Act

In an early video, I explained the restrictions when it comes to withdrawing your TSP in retirement, even if you have reached age 60.

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Bridgerland Financial and Cetera Advisors are not affiliated with the US government or any government agency.