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BLOG POSTS

What Do I Do After a Federal Employee Dies?
The passing of a loved one is a difficult time, and the process of dealing with the aftermath can be overwhelming. If you're the beneficiary of a federal employee, it's important to know what steps to take to ensure that you receive all the benefits you're entitled...

How to Prepare for Long-term Care: What Are My Options?
Preparing for long-term care expenses is an important part of your retirement planning process. It's not an enjoyable topic to discuss, but it is necessary. In the US, someone who turns 65 today has a 70% chance of needing some type of long-term care as they age....

The Difference Between Inpatient and Outpatient Procedures
The Difference Between Inpatient and Outpatient Procedures It's essential to understand the difference between inpatient and outpatient care, especially when it comes to knowing how your insurance covers claims and what you'll have to pay out of pocket. Insurance...

Agreement Offers All Federal Employees Access to UNA Education
Great news! The University of North Alabama (UNA) has joined forces with the U.S. Office of Personnel Management as part of the Federal Academic Alliance. This makes UNA one of only a few colleges in the country to offer reduced tuition rates to over 2 million federal...

How the BENES Act Impacts Medicare
What is the BENES Act? The Beneficiary Enrollment Notification and Eligibility Simplification Act, also known as the BENES Act, was designed to help those who are Medicare eligible but are not collecting social security. The BENES Act was signed into law in 2020 and...

How do I enroll in Medicare?
Applying for Medicare can be confusing depending on your specific situation. It is important to know how to apply based on the timing of your situation. If you are collecting social security... If you are collecting social security, you will automatically be enrolled...

Post-Retirement: Final Destination
You did it! You completed your federal career and have transitioned into retirement. A hearty congratulations are in order. You worked hard, and now a new journey begins. With that journey comes a few decisions about your benefits. The topics below cover the main...

Pre-Retirement: Are We There Yet?
Determining Retirement Qualifications Monthly Annuity Pension Your FERS or CSRS monthly annuity is also referred to as your pension. It’s the first of three paychecks that make up your retirement income. Your pension is determined by your paycheck and years of service...

Calculating Your High-3 Salary
When determining your FERS pension, you will need to calculate your High-3 Salary is a very important part of your FERS pension calculation. Your High-3 Salary is the highest average of BASIC pay you earned during any 3 consecutive years of Federal service. Your...
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