FERS Retirement Guides
Expert resources to help you understand and maximize your federal retirement benefits
FERS Retirement Formula
Learn how your pension is calculated with the 1% or 1.1% formula, High-3 salary, and service credit
Read GuideFERS Annuity Calculator (Tool)
Prefer the term annuity? Run the same pension math with annuity-first explanations and scenarios.
Estimate annuityHigh-3 Salary Explained
Understand how your highest 3-year average salary affects your pension and strategies to maximize it
Learn MoreRetirement Calculation Examples
Real-world examples showing step-by-step FERS pension calculations for different scenarios
View ExamplesFERS vs CSRS Comparison
Key differences between the two federal retirement systems and which is better
Compare SystemsMRA Guide by Birth Year
Find your Minimum Retirement Age and understand early retirement options at MRA
Find Your MRAFEHB in Retirement
Keep your health insurance after retirement - eligibility rules, costs, and enrollment tips
Health Coverage GuideTSP Contribution Strategies
Optimize your Thrift Savings Plan contributions to maximize retirement savings
Maximize TSPTSP Withdrawal Strategies
Plan optimal withdrawal methods: lump sum, monthly payments, annuities, and RMDs
Withdrawal GuideRoth vs Traditional TSP
Compare tax treatment and decide which TSP option saves you more money
Tax ComparisonWEP & GPO Explained
Understand Windfall Elimination Provision and Government Pension Offset impacts
WEP Guide GPO GuideFERS + Social Security
Can you collect both FERS pension and Social Security? Complete coordination guide
Dual Benefits GuideFEHB vs Medicare
Should you enroll in Medicare Part B if you have FEHB? Cost-benefit analysis
Coverage DecisionFEHB After Retirement
The 5-year rule, continuation rights, and keeping health coverage in retirement
Continuation GuideRetirement Planning Checklist
Step-by-step checklist covering everything you need before retiring under FERS
Get ChecklistAir Traffic Controller Retirement
Mandatory age 56 rule, enhanced 1.7% benefits, and special provisions for ATCs
ATC GuidePostal Service Retirement
USPS retirement benefits under FERS and CSRS Offset for postal workers
USPS GuideVeteran FERS Benefits
Combine military and federal service for maximum retirement benefits
Veteran GuideDisability Retirement Eligibility
Requirements, medical documentation, and application process for FERS disability
Eligibility GuideDisability Calculation
How FERS disability annuity is calculated: 60%/40% formula and age 62 conversion
Calculation GuideOPM Disability Processing Time
Current wait times, application stages, and how to track your disability case
Timeline GuideDisability vs Regular Retirement
Which option is better? Compare benefits, eligibility, and long-term implications
Comparison GuideFERS COLA History Chart
Historical COLA rates from 1987 to 2026 with inflation comparison
View HistoryTax Optimization Strategies
Advanced strategies to minimize taxes on your FERS retirement income
Tax StrategiesRetirement at Age 50
Early retirement options including VERA, disability, and bridge strategies
Age 50 GuideRetire at 60 vs 62
Which age maximizes your lifetime benefits? Break-even analysis included
Age ComparisonDeferred & Postponed Annuities
When to defer retirement and how postponed annuities work
Deferral GuideReady to Calculate Your Benefits?
Use our free calculators to estimate your FERS retirement income based on the information in these guides.
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Keyword-rich articles for federal employees.
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