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Federal Employees

How does the TSP work in retirement — can I roll it over?

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Business Owners

What is the difference between FERS and CSRS?

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Life Insurance

What is the difference between FERS and CSRS?

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Retirement Income

When is the best age for a federal employee to retire?

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Federal Employees

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.
Business Owners

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.
Life Insurance

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.
Retirement Income

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.
Tax Strategy

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.
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Federal Employees

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.
Showing3Questions
Business Owners

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.
Showing3Questions
Life Insurance

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.
Showing3Questions
Retirement Income

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.
Showing3Questions
Tax Strategy

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.

FERS (Federal Employees Retirement System) is the retirement system covering most federal employees hired after December 31, 1983. It is a three-part system: a modest defined benefit pension (the Basic Benefit), Social Security, and the Thrift Savings Plan. CSRS (Civil Service Retirement System) covers employees hired before 1984 and provides a larger defined benefit pension but no Social Security coverage and no agency TSP match. If you are under CSRS, your pension replacement rate is significantly higher, but you must ensure your non-federal Social Security credits are understood, as the Windfall Elimination Provision and Government Pension Offset may affect any Social Security benefits you or a spouse may claim.