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Retirement FAQs

Pre-Retirement

  • Deposits and redeposits (including for military service) must be satisfied (either by payments or annuity reduction, as applicable) prior to entry into Phased Retirement status.  Any reduction in annuity or loss of service credit at the time of entry into Phased Retirement will be permanent for the employee.  No deposits or redeposits can be made by the employee at a later time, including at the time of full retirement.   However, in the case of a Phased Retiree’s death-in-service, the survivors can make deposits or redeposits on the same basis as if the decedent had not been a Phased Retiree.
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  • FEHB and FEGLI will stay with the employing agency.  FEGLI benefit coverage amounts will be based upon the full time salary for the position.  The FEHB employer contribution will be the same as for full-time employees.
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  • To make this workable and avoid intractable administrative problems, no survivor benefits can be based upon a Phased Retirement annuity.  If the individual dies prior to full retirement, survivor benefits will be those applicable for an employee who died in service, with provision for minor computational adjustments necessitated by the unique nature of Phased Retirement.
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  • Phased Retirement Annuities will be subject to court orders providing for division, allotment, assignment, execution, levy, attachment, garnishment, or other legal process on the same basis as other annuities.
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  • Periodic medical exams, if required, are paid out of your pocket.
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  • Employees participating in phased retirement will be paid for the part-time service they continue to provide the government and will receive additional credit for that service toward their full retirement.  These employees will also begin receiving annuity payments, consistent with the retirement benefits they were entitled to prior to entering phased retirement status, pro-rated for the portion of the workweek they spend in retirement.  When the Phased Retiree fully retires, the revised annuity calculation will provide pro-rated service credit for additional time worked during phased retirement. This law incents participants with valuable experience to phase into retirement by providing phased retirees with more income than they would earn working part time, and more income than they would earn by fully retiring. Once these individuals fully retire, they will be entitled to a greater annuity than if they had fully retired at the time of transition to Phased Retirement, but less than if they had continued employment on a full-time basis during the period of Phased Retirement.
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  • CSRS Offset is the Civil Service Retirement System with Social Security Offset. It is the same as CSRS, except that is coordinated with Social Security. CSRS Offset was created in 1987 and generally applies to employees who had a break in Federal service after 1983 that lasted longer than 1 year and had at least 5 years of civilian service as of January 1, 1987. It also applies to employees who were hired into a civilian job before 1984, but did not acquire retirement coverage until after 1984 and had at least 5 years of service as of January 1, 1987. CSRS Offset employees are covered by both CSRS and Social Security. You earn retirement credit under CSRS, while also earning credits under Social Security. When you retire from the Government, your retirement benefit is computed in the same way that CSRS benefits are computed. However, when you become eligible for Social Security benefits (usually at age 62), your CSRS retirement benefit is reduced, or offset, by the value of the Social Security benefit you earned while working for the Government. The amount CSRS Offset employees pay for retirement the same amount that CSRS employees pay, however it is reduced, or offset, by Social Security taxes (6.2 % of pay). Agencies contribute a set amount (7% for most employees) to CSRS Offset. Just like CSRS employees, CSRS Offset employees are also are allowed to participate in the Thrift Savings Plan and currently may contribute up to 6% of basic pay, without a Government contribution.
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  • FERS stands for the Federal Employees Retirement System. FERS became effective in 1987 and most new Federal civilian employees hired after 1983 are automatically covered by FERS. FERS is a three-tiered retirement plan. The three components are the:
    • FERS Basic Benefit
    • Social Security Benefit
    • Thrift Savings Plan Benefit
    Most FERS employees pay 0.8% of basic pay for FERS basic benefits. The agency contributes 10.7% or more to FERS. The FERS basic benefit provides retirement, disability, and survivor benefits and may be reduced for early retirement or to provide survivor protection. The FERS basic benefit is computed based on your length of service and the highest average basic pay you earned during any 3 consecutive years of service (know as the "high-3" average pay). Generally, the FERS basic benefit is 1% of your high-3 average pay times your years of creditable service.   FERS employees can currently contribute up to 11% of basic pay to the Thrift Savings Plan. An automatic Government contribution adds 1% of basic pay to every FERS employee's TSP account. The Government adds up to another 4% of basic pay, depending on how much the employee chooses to contribute.
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  • Look at any of your Standard Form 50s (Notifications of Personnel Actions). There's a block that shows your retirement plan. It's Block 30 on all current SF-50s. You'll see a code followed by an acronym that represents your retirement plan. Most Federal employees are in one of four possible retirement plans. They are: Retirement Plan Commonly Called SF-50 Civil Service Retirement System CSRS Code 1 or 6 Civil Service Retirement System and Social Security CSRS Offset Code C or E Social Security Only FICA Code 2 Federal Employees Retirement System FERS Code K, L, M, or N "FICA" indicates Social Security coverage on your SF-50. For example, your retirement coverage as it appears on the SF-50 may be CSRS and FICA instead of CSRS Offset or FERS and FICA instead of FERS. If your agency does not use Standard Form 50s, you can find your retirement plan on the form it uses to notify you of personnel actions.
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  • FERCCA is the Federal Erroneous Retirement Coverage Corrections Act. It is a law that addresses the long-term harm to retirement planning created when employees are put in the wrong retirement plan.
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  • It depends on what your retirement coverage error was and how long you were in the wrong retirement plan. FERCCA may provide you one or all of the following:
    • You may have an opportunity to choose another retirement plan;
    • You may be reimbursed for certain out-of-pocket expenses you paid as a result of a coverage error;
    • You may benefit from certain changes in the rules about how some of your Government service counts toward retirement; and
    • You may be able to make-up contributions to the Thrift Savings Plan and get lost earnings on those contributions as well.
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  • Social Security-Only means coverage under Social Security without also being covered under either CSRS or FERS. You would have Social Security-Only coverage if you were hired under an appointment that is excluded from CSRS or FERS. Usually employees serving under temporary appointments (limited to 1 year or less), intermittent employees, and other appointments that would not be expected to last at least 5 years (such as term and excepted indefinite appointments) are excluded from CSRS. Employees serving under temporary (limited to 1 year or less) appointments and intermittent employees are generally excluded from FERS.
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  • We believe that the number of employees in the wrong retirement plan is very small. Agencies have discovered and corrected many retirement coverage errors. However, we are certain some employees still are in the wrong retirement plan. If you have not worked for the Federal Government continuously since 1983, or you have had changes in appointment types and retirement plans, then you may want to ask your agency to review your retirement coverage to ensure that it is correct.
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  • "Transitional retirement coverage" or CSRS Interim is a version of CSRS established pending creation of a new retirement system for employees first hired after December 31, 1983, and certain rehires. Employees covered by CSRS Interim provisions paid OASDI taxes and a reduced CSRS contribution. When FERS became effective on January 1, 1987, employees with CSRS Interim coverage acquired either FERS or CSRS Offset coverage.
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  • Which retirement plan you belong in depends upon the type of appointment you have and your work history. The rules can be complicated. That's why some employees are in the wrong plan. Below are some of the common errors, broken down by retirement plan. Find your retirement plan, and see if you fit any of the situations listed. If you do, you may be in the wrong plan. But, remember there are exceptions to the general rules. You may be in the right retirement plan because you fall under one of the exceptions (like the one shown under CSRS Offset). Contact your Human Resources office. They can help you. If your retirement plan is: Then you may be in the wrong plan if you: CSRS Worked for the Government before 1984, but not on a permanent basis; or Left Federal employment for more than a year at any time after 1983; or Have a temporary appointment limited to a year or less, a term appointment, or an emergency indefinite appointment; orHave no Federal civilian employment before 1984; or Do not have a career or career conditional appointment and you work on an intermittent basis. (See the work schedule block on your SF-50.) CSRS Offset Have a temporary appointment limited to a year or less, a term appointment, or an emergency indefinite appointment; orHave no Federal civilian employment before 1984; or Do not have a career or career conditional appointment and you work on an intermittent basis. (See the work schedule block on your SF-50.); or Did not work for the Government for a total of 5 years before 1987 (don't count your military service). Exception: If you worked under CSRS, left the Government, and your agency placed you in CSRS Offset on your return, your CSRS Offset coverage is probably correct if you had 5 years Government service when you left.) FERS Have a temporary appointment limited to a year or less; Do not have a career or career conditional appointment and you work on an intermittent basis; or Have worked for the Government for at least 5 years before 1987 (not including military service) unless you elected to transfer to FERS during a FERS Open Seasons or after a break in service.
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Total Count: 218, Number of Pages: 15, Page: 6
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