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You should review your designation of beneficiary for the lump sum payment of
retirement contributions when no one is eligible for monthly payments. This
designation is made on a Standard Form 2808 for the Civil Service Retirement
System (CSRS) or a Standard Form 3102 for the Federal Employees Retirement
System (FERS). Make sure the form shows the person or people you want
designated. If a copy is not available to review, you may wish to file a new
If you transferred to FERS, any prior designation you made for CSRS coverage
is canceled. You may wish to file a FERS designation. If you were automatically
transferred to FERS coverage from CSRS, your designation will remain in force.
If there is no designation of beneficiary, benefits will be paid in the
Your personnel officer will review the election opportunities to provide
benefits after your death to your husband or wife, ex-spouse, or another person
you designate as having an insurable interest in your continuing life. If you
do not provide for a monthly benefit after your death, your survivor will not be
able to continue coverage under the Federal Employees Health Benefits (FEHB)
program. The advisor will also cover the requirements that each survivor must
meet to qualify.
When making an election to provide a benefit after your death, you must
obtain your husband's or wife's written consent to provide less than the maximum
benefit allowed. To designate an insurable interest, you must have a physical
examination at your own expense.
You local personnel service center is the best place to begin. They can
provide personalized assistance and they have your employment records.
That depends on when you worked and whether you are covered by the Civil
Service Retirement System (CSRS) or the Federal Employees Retirement System
Make a selection from the list of circumstances below which best describes
your situation and ask your local personnel service center for assistance
because they have your employment records.
Your Official Personnel Folder should contain a record of your current
Federal life insurance coverage on a Standard Form 2817, "Life Insurance
Election", and, if appropriate, your current life insurance designation of
beneficiary, Standard Form 2823.
Phased Retirement will encourage the most experienced Federal employees to extend their contributions to the Nation, and will operate as a tool to ensure continuity of operations and to facilitate knowledge management. The main purpose of Phased Retirements is to enhance mentoring and training of the employees who will be filling the positions of more experienced employees who are preparing for full retirement. It is intended to encourage experienced employees to remain, in at least a part-time capacity, until less experienced employees are fully equipped to fulfill the same duties and responsibilities as those employees who wish to retire.
An effective Phased Retirement plan has been a long-sought goal. However, under prior law, the problem was that an individual who was retirement eligible but wished to continue employment on a part-time basis generally had little economic incentive to do so because an employee’s potential retirement benefits would often be equal to or greater than their salary would be for part-time employment.
Phased Retirement will in essence permit an individual to retire from part of their employment, while continuing the remainder and continuing to earn additional retirement benefits proportionately based upon the additional less-than-full-time employment.
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