Federal Benefit Services was founded to serve the federal employee. When we were first exposed to the federal market, we could not believe the number of people who had worked for the government for 10, 15 or even 30 years and still did not know anything about their benefits.

CSRS Employees

If you were hired before Dec 31, 1983 you are more than likely a Civil Service employee. There are many aspects of being a CSRS employee that you need to be aware of and that we would like to help you understand.

1) How to keep your federal health insurance in place through retirement not only for

you, but for your surviving spouse as well.

2) How to determine your "RSCD- Retirement Service Computation Date". Getting

this number wrong can mean you are not eligible to retire and it will take OPM up

to 6 months to catch the error. If you were not eligible- you have to go back to

work (this has actually happened to hundreds of employees).

3) Military time- should you buy it back and if so how much will it cost you?

4) Temporary time- will it count towards retirement and if so, how much?

5) Voluntary Contribution accounts- how to manage those monies in order to reduce

taxes.

6) How much of a survivor's annuity should you leave to your spouse, and is the

government annuity the best way to go.

7) How to maximize your TSP funds in retirement and lowering taxes.