LEAVING FEDERAL SERVICE?
RETIREMENT RESOURCES
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We’re Here to Support YOU
Regardless if You Leave Federal Service or Not
Leaving Federal Service?
Understanding Your Benefits
Whether through deferred resignation, retirement, or other separation, managing your transition requires careful benefits planning. Here’s where we can help:
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Understand the full impact on your benefits
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Compare your current benefits with available options after you leave service
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Find coverage options for you and your family
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Maximize your federal benefits
The choices you make about your benefits during transition can have long-lasting impacts. For personalized guidance based on your specific situation contact us for a free one-on-one benefits review.
KEY BENEFIT AREAS
Some questions to consider as you plan your transition.
HEALTH INSURANCE (FEHB)
Your health coverage decisions during transition are critical for ensuring continuous care for you and your family.
- What happens to your FEHB coverage after separation?
- Do you qualify for temporary continuation of coverage (TCC)?
- Understanding your enrollment windows for alternative coverage
- Options for maintaining coverage in retirement
LIFE INSURANCE (FEGLI)
Your life insurance coverage is a crucial part of your family’s long-term security plan.
- Understanding what happens to your FEGLI coverage after separation
- How FEGLI works in retirement
- Timeline for making FEGLI conversion decisions
- Exploring alternative life insurance solutions that can move with you
- Evaluating coverage amounts based on your new circumstances
THRIFT SAVINGS PLAN (TSP)
Your retirement savings require careful consideration to protect and optimize your long-term financial security:
- What are your TSP options after leaving federal service?
- Understanding withdrawal choices and timing
- Rolling over your TSP to other retirement accounts
LEAVE & PAY CONSIDERATIONS
Understanding how your accumulated leave and final compensation will be handled helps you plan your transition effectively.
- Annual leave payout calculations
- Sick leave implications
- Final paycheck timing
- Understanding your last day benefits
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Contact a United Benefits Specialist
Recent executive orders have introduced significant changes to federal employment policies, including return-to-office mandates, workforce restructuring, and deferred resignation options.
As your dedicated federal benefits specialists, we’re committed to helping you navigate these changes with confidence.
What is Deferred Resignation?
The recently announced deferred resignation program offers eligible federal employees the option to submit their resignation now while continuing to work and receive full pay and benefits through September 30, 2025. This program is part of broader federal workforce reforms announced in January 2025.
Key Features
- Submission Period: Starting January 28-February 13
- Once submitted, the resignation decision is final
- End Date: September 30, 2025 (with option to leave earlier)
- Full compensation and benefits continuation
- Exemption from new return-to-office requirements
- Option to elect retirement if eligible before resignation date
Disclosure: United Benefits does not provide tax, legal, or accounting advice. This material has been prepared for informational purposes only. It is not intended to provide, and it should not be relied upon for tax, legal, or accounting advice. You should contact your tax, legal, and/or accounting advisor(s) before engaging in any transaction.