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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" xmlns:media="http://search.yahoo.com/mrss/" > <channel> <title>FEBRA</title> <atom:link href="https://gofebra.com/feed/" rel="self" type="application/rss+xml" /> <link>https://gofebra.com</link> <description>Federal benefits, made simple</description> <lastBuildDate>Mon, 14 Jul 2025 15:08:32 +0000</lastBuildDate> <language>en-US</language> <sy:updatePeriod> hourly </sy:updatePeriod> <sy:updateFrequency> 1 </sy:updateFrequency> <generator>https://wordpress.org/?v=6.8.2</generator> <image> <url>https://gofebra.com/wp-content/uploads/2024/11/favicon.png</url> <title>FEBRA</title> <link>https://gofebra.com</link> <width>32</width> <height>32</height></image> <item> <title>CSRS Social Security Rules in 2025: What’s Changing and What’s Not</title> <link>https://gofebra.com/csrs-social-security-rules-in-2025-whats-changing-and-whats-not/</link> <comments>https://gofebra.com/csrs-social-security-rules-in-2025-whats-changing-and-whats-not/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Tue, 22 Jul 2025 15:01:56 +0000</pubDate> <category><![CDATA[News]]></category> <guid isPermaLink="false">https://gofebra.com/?p=4202</guid> <description><![CDATA[What is the relationship between CSRS and Social Security? The CSRS Social Security relationship is unique and often confusing. Federal employees under the Civil Service Retirement System (CSRS) generally do not pay into Social Security during their federal careers, which means they do not earn Social Security credits through their government employment. As a result, […]]]></description> <content:encoded><![CDATA[<h2 data-start="70" data-end="131">What is the relationship between CSRS and Social Security?</h2><p data-start="133" data-end="837">The CSRS Social Security relationship is unique and often confusing. Federal employees under the Civil Service Retirement System (CSRS) generally do not pay into Social Security during their federal careers, which means they do not earn Social Security credits through their government employment. As a result, they are not eligible for Social Security benefits based on their CSRS service. However, many CSRS retirees qualify for some Social Security benefits through other employment or spousal benefits. These benefits, though, are subject to special rules—such as the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO)—which reduce the benefit amount for many CSRS retirees.</p><h2 data-start="839" data-end="900">What’s staying the same with CSRS Social Security in 2025?</h2><p data-start="902" data-end="1550">As of 2025, there are <strong data-start="924" data-end="949">no structural changes</strong> to how CSRS Social Security coordination works. The Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) are still in full effect. CSRS retirees who qualify for Social Security through other jobs or a spouse’s record will still face reductions due to these rules. In short, retirees who were hoping that WEP or GPO would be repealed this year will need to keep waiting, as legislative efforts to change these provisions have not gained traction in Congress. For ongoing updates and benefit planning guidance, check in regularly with resources like <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="1518" data-end="1549">GoFebra</a>.</p><h2 data-start="1552" data-end="1623">Are there any updates to the Windfall Elimination Provision in 2025?</h2><p data-start="1625" data-end="2270">The Windfall Elimination Provision (WEP) remains unchanged in 2025. WEP reduces the Social Security benefits of CSRS retirees who worked in Social Security-covered employment for fewer than 30 years. The reduction is based on a modified formula that lowers the benefit calculation for individuals receiving a government pension from non-Social Security-covered employment, like CSRS. The maximum monthly WEP reduction in 2025 is indexed for inflation and has increased slightly due to cost-of-living adjustments (COLAs), but the core structure of the rule remains intact. WEP continues to affect tens of thousands of federal retirees every year.</p><h2 data-start="2272" data-end="2322">Has the Government Pension Offset rule changed?</h2><p data-start="2324" data-end="2960">The Government Pension Offset (GPO), which reduces spousal and survivor Social Security benefits for CSRS retirees, has not changed for 2025. Under current law, if you receive a CSRS pension and qualify for spousal Social Security benefits, your Social Security amount is reduced by two-thirds of your CSRS pension. This reduction can completely eliminate spousal benefits for many CSRS retirees. While advocacy groups continue to push for GPO reform or repeal, no major changes have been enacted this year. Planning ahead with tools like <a class="" href="https://gofebra.com/csrs-information/" target="_new" rel="noopener" data-start="2863" data-end="2927">GoFebra’s CSRS guidance</a> can help you minimize surprises.</p><h2 data-start="2962" data-end="3017"><img fetchpriority="high" decoding="async" class="size-full wp-image-4203 aligncenter" src="https://gofebra.com/wp-content/uploads/2025/07/csrs-social-security-1.jpg" alt="csrs social security" width="1280" height="853" srcset="https://gofebra.com/wp-content/uploads/2025/07/csrs-social-security-1.jpg 1280w, https://gofebra.com/wp-content/uploads/2025/07/csrs-social-security-1-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/07/csrs-social-security-1-1024x682.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/07/csrs-social-security-1-768x512.jpg 768w, https://gofebra.com/wp-content/uploads/2025/07/csrs-social-security-1-600x400.jpg 600w" sizes="(max-width: 1280px) 100vw, 1280px" /></h2><h2 data-start="2962" data-end="3017">How does CSRS offset affect Social Security in 2025?</h2><p data-start="3019" data-end="3685">CSRS Offset employees, who are in a hybrid system combining elements of both CSRS and Social Security, still receive Social Security benefits for the portion of their service covered under the Federal Employees Retirement System (FERS). In 2025, the CSRS Offset rule remains consistent: when you become eligible for Social Security at age 62, your CSRS annuity is reduced (or “offset”) by the amount of Social Security earned through that same period of employment. While this doesn’t reduce your total retirement income, it can create confusion about payment sources. Coordinating both CSRS and Social Security benefits remains a key part of comprehensive planning.</p><h2 data-start="3687" data-end="3761">Can CSRS retirees still qualify for Social Security through other work?</h2><p data-start="3763" data-end="4447">Yes. If a CSRS retiree worked in the private sector or in another job where Social Security taxes were withheld, they can qualify for Social Security benefits through that work. To be eligible, retirees need at least 40 credits, which usually equates to 10 years of Social Security-covered employment. However, if they also receive a CSRS pension, their Social Security benefit may be reduced by the WEP. This makes it crucial to understand both systems and their interactions. For those looking to bridge income gaps, pairing Social Security benefits with personal assets like the <a class="" href="https://gofebra.com/thrift-savings-plan/" target="_new" rel="noopener" data-start="4345" data-end="4408">Thrift Savings Plan</a> can create more financial flexibility.</p><h2 data-start="4449" data-end="4540">What retirement planning strategies can help with reduced CSRS Social Security benefits?</h2><p data-start="4542" data-end="5251">For CSRS retirees facing reductions in Social Security due to WEP or GPO, it’s essential to take a multi-pronged approach to retirement income. Relying solely on a pension and reduced Social Security benefit can create budgeting challenges. That’s why many federal retirees boost their financial stability with personal savings, TSP withdrawals, or <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="4891" data-end="4986">insurance and supplemental benefits</a> to cover out-of-pocket medical and long-term care expenses. Some also delay Social Security to reduce the WEP impact or work part-time post-retirement to increase future benefits. Every strategy should be tailored to your specific service history and income needs.</p><h2 data-start="5253" data-end="5337">Are there any legislative proposals in 2025 to change CSRS Social Security rules?</h2><p data-start="5339" data-end="5989">Yes, but none have passed yet. In 2025, several bills have been introduced in Congress proposing modifications or repeal of WEP and GPO. One of the most well-known efforts is the Social Security Fairness Act, which aims to fully eliminate both provisions. While this proposal has garnered bipartisan support in the past, it has not yet advanced to a vote this year. As a CSRS retiree, staying informed about legislative changes is important, even though no laws have changed at the time of writing. Federal retirement advisors and <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="5870" data-end="5926">GoFebra’s About Us page</a> are good places to find real-time updates and expert insights.</p><h2 data-start="5991" data-end="6059">How does CSRS Social Security interact with Medicare eligibility?</h2><p data-start="6061" data-end="6727">Although most CSRS retirees do not pay Social Security taxes during their federal employment, they are still eligible for Medicare if they’ve paid into the system for at least 10 years in other employment. In 2025, this rule remains unchanged. If you or your spouse have earned enough credits through Social Security-covered work, you can qualify for Medicare Part A (hospital insurance) at no cost and enroll in Part B (medical insurance) for a monthly premium. Medicare remains an essential component of federal retiree healthcare planning, especially when combined with <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="6634" data-end="6726">federal health insurance options</a>.</p><h2 data-start="6729" data-end="6811">Where can CSRS retirees get help understanding their Social Security situation?</h2><p data-start="6813" data-end="7399">Because the CSRS Social Security rules involve complex calculations and exceptions, it’s wise to seek professional guidance before making key decisions. Retirement counselors, federal benefit specialists, and trusted services like <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="7044" data-end="7106">GoFebra Retirement Services</a> can walk you through every aspect of your retirement income, including how much you can expect to receive and when. Understanding how your CSRS pension, Social Security credits, TSP savings, and healthcare coverage all fit together is essential for a smooth and financially secure retirement.</p>]]></content:encoded> <wfw:commentRss>https://gofebra.com/csrs-social-security-rules-in-2025-whats-changing-and-whats-not/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Can You Cash Out Unused Annual Leave Before You Quit Your Federal Job?</title> <link>https://gofebra.com/can-you-cash-out-unused-annual-leave-before-you-quit-your-federal-job/</link> <comments>https://gofebra.com/can-you-cash-out-unused-annual-leave-before-you-quit-your-federal-job/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Mon, 21 Jul 2025 14:46:55 +0000</pubDate> <category><![CDATA[News]]></category> <guid isPermaLink="false">https://gofebra.com/?p=4198</guid> <description><![CDATA[What is an unused annual leave payment and how does it work for federal employees? An unused annual leave payment refers to the lump-sum compensation federal employees receive for their accrued but unused annual leave when they separate from service. This payment is made after resignation, retirement, or termination and is based on the employee’s […]]]></description> <content:encoded><![CDATA[<h2 data-start="74" data-end="159">What is an unused annual leave payment and how does it work for federal employees?</h2><p data-start="161" data-end="797">An unused annual leave payment refers to the lump-sum compensation federal employees receive for their accrued but unused annual leave when they separate from service. This payment is made after resignation, retirement, or termination and is based on the employee’s hourly rate at the time of separation. For federal workers, this payout can represent a significant amount of money—sometimes equivalent to several weeks or even months of regular salary. It’s a financial cushion that helps bridge the gap between employment and retirement or other transitions, and understanding how it works is essential for anyone planning their exit.</p><h2 data-start="799" data-end="876">Can you request an unused annual leave payment before you officially quit?</h2><p data-start="878" data-end="1490">No, federal employees cannot cash out their unused annual leave while still employed. Under U.S. Office of Personnel Management (OPM) regulations, the unused annual leave payment is only issued upon separation from federal service. This includes retirement, resignation, or in some cases, reduction in force. Employees may use their annual leave while still employed, but they cannot receive a cash payout unless they are formally leaving their position. Any attempt to “cash out” without separating would violate federal employment policies. Planning the timing of your departure can help maximize this benefit.</p><h2 data-start="1492" data-end="1545">How is the unused annual leave payment calculated?</h2><p data-start="1547" data-end="2139">The unused annual leave payment is calculated by multiplying the number of hours of unused annual leave by your hourly rate at the time of separation. This rate includes any applicable locality pay and special salary adjustments. For example, if an employee has 240 hours of unused annual leave and earns $35 per hour, the payment would be approximately $8,400 (240 x $35). However, deductions for taxes and benefits will apply. If you’re nearing retirement and want to estimate your payout, tools available at <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="2058" data-end="2089">GoFebra</a> can help you make accurate financial projections.</p><h2 data-start="2141" data-end="2185">Is the unused annual leave payment taxed?</h2><p data-start="2187" data-end="2852">Yes, the unused annual leave payment is fully taxable and subject to federal income tax, Social Security, and Medicare taxes. It is treated as wages for tax purposes and reported on your W-2 form. Depending on the amount, the lump-sum payout can push you into a higher tax bracket temporarily. Some employees may choose to time their separation at the beginning of a new tax year to potentially reduce their taxable income for the current year. Understanding the tax implications is crucial when planning for a significant payout, especially when coordinating it with other sources of income like the <a class="" href="https://gofebra.com/thrift-savings-plan/" target="_new" rel="noopener" data-start="2788" data-end="2851">Thrift Savings Plan</a>.</p><h2 data-start="2854" data-end="2925">Does your retirement system affect your unused annual leave payment?</h2><p data-start="2927" data-end="3561">Whether you’re under the Civil Service Retirement System (CSRS) or the Federal Employees Retirement System (FERS), your unused annual leave payment is treated similarly. Both CSRS and FERS employees are eligible for the lump-sum payout upon separation, but the total value might vary depending on your pay grade, location, and the timing of your retirement. It’s important to remember that while <a class="" href="https://gofebra.com/csrs-information/" target="_new" rel="noopener" data-start="3323" data-end="3368">CSRS</a> retirees may have different annuity benefits, the unused annual leave payout is not included in pension calculations—it is paid separately, based solely on accrued leave and final salary rate.</p><h2 data-start="3563" data-end="3635"><img decoding="async" class="size-full wp-image-4199 aligncenter" src="https://gofebra.com/wp-content/uploads/2025/07/unused-annual-leave-1.jpg" alt="unused annual leave" width="1280" height="853" srcset="https://gofebra.com/wp-content/uploads/2025/07/unused-annual-leave-1.jpg 1280w, https://gofebra.com/wp-content/uploads/2025/07/unused-annual-leave-1-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/07/unused-annual-leave-1-1024x682.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/07/unused-annual-leave-1-768x512.jpg 768w, https://gofebra.com/wp-content/uploads/2025/07/unused-annual-leave-1-600x400.jpg 600w" sizes="(max-width: 1280px) 100vw, 1280px" /><br />How can unused annual leave payments impact your retirement planning?</h2><p data-start="3637" data-end="4259">Unused annual leave payments can serve as a bridge between your last federal paycheck and the start of your annuity payments. Since federal pensions often take 1–3 months to process, your annual leave payout can help cover living expenses during that gap. Some retirees even use the money for large expenses like home repairs or travel. However, it’s essential to factor in this payment when planning your financial strategy for retirement. Working with an expert like those at <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="4115" data-end="4177">GoFebra Retirement Services</a> can help you incorporate this payment into a well-rounded retirement income plan.</p><h2 data-start="4261" data-end="4321">Can you use annual leave instead of receiving the payout?</h2><p data-start="4323" data-end="4926">Yes, but it’s a tradeoff. Employees may choose to take annual leave before retiring or resigning, often referred to as going on “terminal leave.” This allows them to continue receiving a regular paycheck while using up accrued leave before the separation date. However, if you choose to use your leave instead of receiving a lump-sum payout, you must remain on the payroll during that period, which means you are still officially employed. Most employees opt for the lump-sum unused annual leave payment so they can begin the next phase of their life without delay, and with a financial cushion in hand.</p><h2 data-start="4928" data-end="4986">Are there caps on how much annual leave you can accrue?</h2><p data-start="4988" data-end="5621">Yes, federal employees are subject to annual leave accrual caps. Most employees can carry over up to 240 hours of unused annual leave into the next leave year. Senior executive service members and employees stationed overseas may be allowed higher caps. Any leave earned beyond the cap is forfeited if not used by the end of the leave year. Therefore, if you’re planning a separation or retirement, it’s wise to monitor your accrued hours and schedule your departure to maximize your payout. Planning strategically with help from <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="5518" data-end="5574">GoFebra’s About Us team</a> can ensure you get the most from this benefit.</p><h2 data-start="5623" data-end="5702">What happens to your unused annual leave if you pass away before retirement?</h2><p data-start="5704" data-end="6427">If a federal employee passes away before using their accrued annual leave, their estate or designated beneficiary will receive a lump-sum payment for the unused hours. This payment is calculated the same way it would be for a living employee upon separation. Families often rely on this payout to manage final expenses or support surviving dependents. To ensure proper handling, employees should keep their beneficiary designations current and consult with HR or a retirement specialist to understand the procedures involved. This aspect of your benefits package is one reason to explore <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="6292" data-end="6387">insurance and supplemental benefits</a> as part of a comprehensive estate plan.</p><h2 data-start="6429" data-end="6493">How do you make the most of your unused annual leave payment?</h2><p data-start="6495" data-end="7147">To get the most from your unused annual leave payment, plan your separation date strategically—ideally just after the end of a pay period or into a new tax year for better financial timing. Monitor your leave balance regularly to avoid exceeding accrual caps, and avoid using annual leave unnecessarily if a lump-sum payout better supports your financial goals. Factor in taxes, align it with retirement timelines, and consider its role in your broader benefits package. For tailored guidance, especially if you’re under the <a class="" href="https://gofebra.com/fers-retirement/" target="_new" rel="noopener" data-start="7020" data-end="7075">FERS retirement</a> system, working with a federal retirement expert is always a wise move.</p>]]></content:encoded> <wfw:commentRss>https://gofebra.com/can-you-cash-out-unused-annual-leave-before-you-quit-your-federal-job/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Open Season Federal Health Benefits: Questions to Ask Before You Switch Plans</title> <link>https://gofebra.com/open-season-federal-health-benefits-questions-to-ask-before-you-switch-plans/</link> <comments>https://gofebra.com/open-season-federal-health-benefits-questions-to-ask-before-you-switch-plans/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Sun, 20 Jul 2025 14:35:02 +0000</pubDate> <category><![CDATA[News]]></category> <guid isPermaLink="false">https://gofebra.com/?p=4194</guid> <description><![CDATA[What are open season federal health benefits, and why do they matter? Open Season federal health benefits refer to the annual period when eligible federal employees and retirees can enroll in, change, or cancel their participation in health, dental, vision, and flexible spending account programs. Taking place every fall—typically mid-November to mid-December—Open Season allows individuals […]]]></description> <content:encoded><![CDATA[<h2 data-start="81" data-end="153">What are open season federal health benefits, and why do they matter?</h2><p data-start="155" data-end="794">Open Season federal health benefits refer to the annual period when eligible federal employees and retirees can enroll in, change, or cancel their participation in health, dental, vision, and flexible spending account programs. Taking place every fall—typically mid-November to mid-December—Open Season allows individuals to adjust their coverage to meet evolving medical, financial, or family needs. This window is critical because, outside of qualifying life events, it is the only time to make changes. Failing to review your options during Open Season can lead to increased costs or insufficient coverage throughout the following year.</p><h2 data-start="796" data-end="852">Have your health care needs changed in the past year?</h2><p data-start="854" data-end="1501">Before switching plans during Open Season federal health benefits, take an honest look at how your health situation has evolved. Did you or a family member develop a chronic condition, require surgery, or start new medications? Are you expecting a baby or planning a major procedure? These changes can drastically affect which plan provides the best coverage. Switching to a high-deductible plan might have saved money in previous years, but if you’re expecting increased usage, a standard or comprehensive plan could provide better value in the long run. Understanding your medical usage patterns is the first step to making an informed decision.</p><h2 data-start="1503" data-end="1563">Are your current providers in-network under the new plan?</h2><p data-start="1565" data-end="2176">One of the most overlooked factors when switching plans is provider access. Not all doctors, hospitals, or specialists are part of every health insurance network. If you have built strong relationships with certain providers or are receiving ongoing care, you’ll want to verify whether those professionals are included in the plan’s network. Out-of-network services are often more expensive or not covered at all. Before enrolling in a new FEHB plan during Open Season federal health benefits, request a provider directory or use the plan’s online search tool to confirm access to your preferred care providers.</p><h2 data-start="2178" data-end="2241">How do your plan’s premiums and out-of-pocket costs compare?</h2><p data-start="2243" data-end="2537">It’s easy to focus only on the monthly premium, but total costs include co-pays, deductibles, coinsurance, and out-of-pocket maximums. A plan with lower premiums might cost more in the long run if it has high deductibles or limited coverage. Use the following table to compare key cost factors:</p><div class="_tableContainer_80l1q_1"><div class="_tableWrapper_80l1q_14 group flex w-fit flex-col-reverse" tabindex="-1"><table class="w-fit min-w-(--thread-content-width)" data-start="2539" data-end="2999"><thead data-start="2539" data-end="2614"><tr data-start="2539" data-end="2614"><th data-start="2539" data-end="2566" data-col-size="sm">Cost Factor</th><th data-start="2566" data-end="2589" data-col-size="sm">Plan A (Low Premium)</th><th data-start="2589" data-end="2614" data-col-size="sm">Plan B (High Premium)</th></tr></thead><tbody data-start="2692" data-end="2999"><tr data-start="2692" data-end="2768"><td data-start="2692" data-end="2719" data-col-size="sm">Monthly Premium</td><td data-col-size="sm" data-start="2719" data-end="2742">$110</td><td data-col-size="sm" data-start="2742" data-end="2768">$210</td></tr><tr data-start="2769" data-end="2845"><td data-start="2769" data-end="2796" data-col-size="sm">Deductible</td><td data-col-size="sm" data-start="2796" data-end="2819">$2,000</td><td data-col-size="sm" data-start="2819" data-end="2845">$500</td></tr><tr data-start="2846" data-end="2922"><td data-start="2846" data-end="2873" data-col-size="sm">Out-of-Pocket Max</td><td data-col-size="sm" data-start="2873" data-end="2896">$7,500</td><td data-col-size="sm" data-start="2896" data-end="2922">$3,000</td></tr><tr data-start="2923" data-end="2999"><td data-start="2923" data-end="2950" data-col-size="sm">Specialist Co-Pay</td><td data-col-size="sm" data-start="2950" data-end="2973">$50</td><td data-col-size="sm" data-start="2973" data-end="2999">$25</td></tr></tbody></table><div class="sticky end-(--thread-content-margin) h-0 self-end select-none"><div class="absolute end-0 flex items-end"></div></div></div></div><p data-start="3001" data-end="3152">When evaluating Open Season federal health benefits, it’s wise to calculate projected costs based on expected medical usage, not just monthly premiums.</p><p data-start="3001" data-end="3152"><img decoding="async" class="size-full wp-image-4196 aligncenter" src="https://gofebra.com/wp-content/uploads/2025/07/Open-Season-Federal-Health-Benefits-1.jpg" alt="Open Season Federal Health Benefits" width="1280" height="853" srcset="https://gofebra.com/wp-content/uploads/2025/07/Open-Season-Federal-Health-Benefits-1.jpg 1280w, https://gofebra.com/wp-content/uploads/2025/07/Open-Season-Federal-Health-Benefits-1-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/07/Open-Season-Federal-Health-Benefits-1-1024x682.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/07/Open-Season-Federal-Health-Benefits-1-768x512.jpg 768w, https://gofebra.com/wp-content/uploads/2025/07/Open-Season-Federal-Health-Benefits-1-600x400.jpg 600w" sizes="(max-width: 1280px) 100vw, 1280px" /></p><h2 data-start="3154" data-end="3217">What kind of coverage does the plan offer for prescriptions?</h2><p data-start="3219" data-end="3860">Prescription drug coverage can vary widely between FEHB plans. Some offer generous drug tiers and lower co-pays, while others may have strict formularies, high out-of-pocket costs, or limited pharmacy options. If you or your dependents take regular medications, it’s critical to review the plan’s formulary and understand how your prescriptions will be covered. You should also compare mail-order options and consider generic vs. brand-name availability. For retirees or employees with ongoing prescriptions, this factor can dramatically impact yearly healthcare costs and should not be overlooked during Open Season federal health benefits.</p><h2 data-start="3862" data-end="3938">Does your plan include dental and vision, or should you enroll in FEDVIP?</h2><p data-start="3940" data-end="4635">Most FEHB plans offer basic dental and vision coverage, but it may not be enough for those with more extensive needs. During Open Season, you can also enroll in FEDVIP (Federal Employees Dental and Vision Insurance Program), which provides more comprehensive coverage options. If you’re considering orthodontics, annual eye exams, or expensive dental work, separate FEDVIP enrollment may be necessary. Coordinating your FEHB and FEDVIP selections ensures your entire family is adequately covered. For help reviewing available plans, including <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="4483" data-end="4578">insurance and supplemental benefits</a>, a benefits counselor can provide personalized guidance.</p><h2 data-start="4637" data-end="4703">How does your plan fit into your long-term retirement planning?</h2><p data-start="4705" data-end="5291">Your choices during Open Season don’t just affect the upcoming year—they can impact your future in retirement. To carry FEHB into retirement, you must be enrolled for the five years immediately before you retire. That means the plan you select now could determine your coverage later. If you’re nearing retirement under the <a class="" href="https://gofebra.com/fers-retirement/" target="_new" rel="noopener" data-start="5029" data-end="5091">FERS retirement system</a>, stability, provider access, and cost structure should all factor into your plan decision. Ensuring long-term compatibility with Medicare and coordinating with other retirement benefits is essential.</p><h2 data-start="5293" data-end="5355">Will your family members need different coverage this year?</h2><p data-start="5357" data-end="5937">If you’re covering dependents, consider whether your current plan still meets their needs. Have your children aged out of coverage? Is a spouse facing new medical challenges or planning a procedure? Open Season federal health benefits allow you to move between self-only, self-plus-one, and family coverage options. Make sure you assess each family member’s current and future needs, as switching tiers can significantly affect your premiums and overall costs. Review eligibility rules carefully to avoid unexpected gaps in coverage, especially for dependent children over age 22.</p><h2 data-start="5939" data-end="5997">Are you taking advantage of flexible spending accounts?</h2><p data-start="5999" data-end="6657">Open Season is also the time to enroll in or renew your FSAFEDS (Flexible Spending Account for Federal Employees). FSAs allow you to set aside pre-tax dollars for healthcare and dependent care expenses, reducing your taxable income. These funds can be used for co-pays, deductibles, prescription costs, and even some over-the-counter medications. However, FSAs are “use it or lose it” accounts, so careful planning is required. If you’re optimizing your budget during Open Season federal health benefits, combining the right FEHB plan with an FSA can lead to significant annual savings. Learn how to make this work for you at <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="6625" data-end="6656">GoFebra</a>.</p><h2 data-start="6659" data-end="6724">Where can you get help understanding your Open Season choices?</h2><p data-start="6726" data-end="7340">The federal benefits landscape is complex, and making uninformed decisions can be costly. During Open Season federal health benefits, it’s essential to consult with experts who understand how FEHB integrates with TSP, retirement systems, and other federal benefits. Resources like <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="7007" data-end="7071">GoFebra’s Retirement Services</a> offer personalized support to help you evaluate your options and plan holistically. You can also visit <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="7175" data-end="7231">GoFebra’s About Us page</a> to learn how they’ve helped thousands of federal employees make confident, well-informed benefits decisions.</p>]]></content:encoded> <wfw:commentRss>https://gofebra.com/open-season-federal-health-benefits-questions-to-ask-before-you-switch-plans/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Don’t Miss These Hidden Costs of Taking an Early Out for USPS</title> <link>https://gofebra.com/dont-miss-these-hidden-costs-of-taking-an-early-out-for-usps/</link> <comments>https://gofebra.com/dont-miss-these-hidden-costs-of-taking-an-early-out-for-usps/#respond</comments> <dc:creator><![CDATA[admin]]></dc:creator> <pubDate>Sat, 19 Jul 2025 14:15:53 +0000</pubDate> <category><![CDATA[News]]></category> <guid isPermaLink="false">https://gofebra.com/?p=4191</guid> <description><![CDATA[What is an early out for USPS and why is it offered? An early out for USPS, also known as a Voluntary Early Retirement Authority (VERA), is an option that allows eligible postal workers to retire before reaching their full retirement age. The U.S. Postal Service uses this tool during times of workforce restructuring or […]]]></description> <content:encoded><![CDATA[<h2 data-start="65" data-end="120">What is an early out for USPS and why is it offered?</h2><p data-start="122" data-end="737">An early out for USPS, also known as a Voluntary Early Retirement Authority (VERA), is an option that allows eligible postal workers to retire before reaching their full retirement age. The U.S. Postal Service uses this tool during times of workforce restructuring or budget reductions to reduce staffing levels without resorting to layoffs. While the offer may seem attractive at first—especially for those looking for a change or early exit—it comes with several hidden costs that can significantly affect long-term retirement security. Understanding the fine print is essential before making any final decisions.</p><h2 data-start="739" data-end="824">How does taking an early out for USPS affect your FERS or CSRS retirement annuity?</h2><p data-start="826" data-end="1499">One of the most significant impacts of taking an early out for USPS is how it reduces your retirement annuity under either the <a class="" href="https://gofebra.com/fers-retirement/" target="_new" rel="noopener" data-start="953" data-end="1008">FERS retirement</a> or <a class="" href="https://gofebra.com/csrs-information/" target="_new" rel="noopener" data-start="1012" data-end="1057">CSRS</a> system. For FERS employees, retiring early typically results in fewer years of service credit, which directly lowers your pension. Additionally, you may miss out on the FERS supplement if you don’t meet the minimum eligibility age. CSRS employees may also see lower benefits, as fewer years worked means a smaller annuity. These reductions may not be obvious upfront but can result in thousands of dollars lost over the course of retirement.</p><h2 data-start="1501" data-end="1573">Will your Thrift Savings Plan (TSP) be enough to fill the income gap?</h2><p data-start="1575" data-end="2190">Many employees hope their TSP will bridge the income gap caused by early retirement. However, withdrawing from your <a class="" href="https://gofebra.com/thrift-savings-plan/" target="_new" rel="noopener" data-start="1691" data-end="1754">Thrift Savings Plan</a> before age 59½ can lead to early withdrawal penalties and increased taxes, unless specific exemptions apply. Additionally, leaving early means fewer years of contributions and compound growth. This makes your nest egg smaller just when you need it most. Relying too heavily on your TSP after taking an early out for USPS could lead to premature depletion of your retirement savings, especially without a strong financial plan in place.</p><h2 data-start="2192" data-end="2265">What happens to your FEHB health insurance if you accept an early out?</h2><p data-start="2267" data-end="2931">Federal Employees Health Benefits (FEHB) coverage is one of the most valuable parts of your retirement package. If you haven’t been enrolled in FEHB for at least five consecutive years before retirement, you risk losing eligibility for this benefit entirely. Even if you do qualify to carry it into retirement, premiums remain and can become more expensive without the offset of a full retirement income. The loss or cost of FEHB is a hidden burden many overlook when evaluating an early out for USPS. Having access to <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="2786" data-end="2881">insurance and supplemental benefits</a> is critical to managing healthcare in retirement.</p><h2 data-start="2933" data-end="2992">How does early retirement impact Social Security timing?</h2><p data-start="2994" data-end="3582">For FERS employees, the timing of your Social Security benefits is a crucial consideration. Retiring early may leave you without sufficient income until you become eligible for Social Security at age 62 or older. Starting Social Security at the minimum age results in permanently reduced monthly benefits. This creates a gap where you may be forced to draw down savings or work part-time to make ends meet. For those relying on the FERS supplement, it’s important to know that it may not be available if you take an early out too soon or don’t meet the age requirements for your position.</p><h2 data-start="3584" data-end="3650">Are there tax implications when you take an early out for USPS?</h2><p data-start="3652" data-end="4249">Yes, there are potential tax consequences to consider. Your annuity, TSP withdrawals, and any lump-sum leave payments may push you into a higher tax bracket temporarily. If you’re under 59½ and take distributions from your TSP, you could also face a 10% early withdrawal penalty on top of standard income tax unless an exception applies. Planning for taxes becomes more complicated when you’re retiring earlier than expected, and it’s important to factor this into your decision-making. Working with a financial advisor or using resources from <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="4196" data-end="4227">GoFebra</a> can help you prepare.</p><h2 data-start="4251" data-end="4321">What are the emotional and psychological impacts of retiring early?</h2><p data-start="4323" data-end="4949">While early retirement may sound ideal, many retirees experience unexpected emotional challenges. USPS employees often have a strong sense of identity tied to their careers. Suddenly leaving the workforce can result in a loss of structure, purpose, and daily social interaction. Some find themselves regretting the decision within months. Others struggle with boredom or isolation. It’s essential to have a plan for what comes next—whether that’s part-time work, hobbies, volunteering, or new goals. Retirement planning isn’t just about money; it’s about lifestyle, and early outs can leave you unprepared for that transition.</p><h2 data-start="4951" data-end="5015">Will you qualify for unemployment or other financial support?</h2><p data-start="5017" data-end="5615">Accepting an early out for USPS is considered a voluntary separation, meaning you won’t be eligible for unemployment benefits. This can surprise some employees who assume they’ll have a safety net after they leave. Additionally, early outs often come without the financial incentives offered in other government buyout programs. If you expect severance or additional compensation, read the fine print carefully. Unlike layoffs or reductions in force, VERA-based early outs are not designed to offer long-term financial support. Without other sources of income, you may find yourself stretched thin.</p><h2 data-start="5617" data-end="5680">What are some long-term opportunity costs of retiring early?</h2><p data-start="5682" data-end="6280">Retiring early cuts off several long-term financial opportunities. These include promotions, pay raises, higher retirement annuity calculations, and the ability to build more savings. You also lose time in service that could improve your retirement benefit formulas and post-retirement options. Furthermore, exiting the workforce early means fewer years of Social Security contributions, which could reduce your lifetime earnings average and final benefit. While the promise of immediate freedom is tempting, the long-term costs can be substantial if not accounted for in a broader retirement plan.</p><h2 data-start="6282" data-end="6352">Where can USPS employees go for help evaluating an early out offer?</h2><p data-start="6354" data-end="7010">Navigating the decision to accept an early out for USPS is complex and deeply personal. It involves understanding how your retirement benefits, healthcare coverage, and income sources interact. Resources like <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="6563" data-end="6625">GoFebra Retirement Services</a> offer guidance tailored to USPS and other federal employees. Whether you’re under FERS, CSRS, or still unsure about your options, these experts can walk you through your benefit calculations and financial projections to ensure you’re making a decision that supports your long-term well-being. Don’t make this choice alone—having professional support can save you from costly mistakes.</p>]]></content:encoded> <wfw:commentRss>https://gofebra.com/dont-miss-these-hidden-costs-of-taking-an-early-out-for-usps/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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