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  31. <title>Your Guide to Civil Service Life Insurance After Retirement in 2025</title>
  32. <link>https://gofebra.com/your-guide-to-civil-service-life-insurance-after-retirement-in-2025/</link>
  33. <comments>https://gofebra.com/your-guide-to-civil-service-life-insurance-after-retirement-in-2025/#respond</comments>
  35. <dc:creator><![CDATA[admin]]></dc:creator>
  36. <pubDate>Fri, 25 Jul 2025 15:33:39 +0000</pubDate>
  37. <category><![CDATA[News]]></category>
  38. <guid isPermaLink="false">https://gofebra.com/?p=4215</guid>
  39.  
  40. <description><![CDATA[What is civil service life insurance after retirement and who is eligible? Civil service life insurance after retirement refers to continued coverage under the Federal Employees’ Group Life Insurance (FEGLI) program for eligible federal retirees. If you’ve had FEGLI Basic coverage for the five years immediately before retirement—or for your entire federal career if shorter—you [&#8230;]]]></description>
  41. <content:encoded><![CDATA[<h2 data-start="71" data-end="148">What is civil service life insurance after retirement and who is eligible?</h2>
  42. <p data-start="150" data-end="818">Civil service life insurance after retirement refers to continued coverage under the Federal Employees’ Group Life Insurance (FEGLI) program for eligible federal retirees. If you’ve had FEGLI Basic coverage for the five years immediately before retirement—or for your entire federal career if shorter—you can carry it into retirement. Many employees also carry Option A, B, or C coverage, but these come with stricter rules and higher premiums after retirement. This benefit is a major component of the post-retirement benefits package and can provide continued protection for your spouse, family, or estate—without the need to reapply or undergo medical underwriting.</p>
  43. <h2 data-start="820" data-end="877">How does FEGLI Basic coverage change after retirement?</h2>
  44. <p data-start="879" data-end="1575">After retirement, FEGLI Basic coverage doesn’t disappear, but it does change. You must choose between three post-retirement reduction options: <strong data-start="1022" data-end="1039">75% Reduction</strong>, <strong data-start="1041" data-end="1058">50% Reduction</strong>, or <strong data-start="1063" data-end="1079">No Reduction</strong>. With the 75% Reduction (the default), your Basic coverage gradually decreases starting at age 65 until it settles at 25% of your original amount—at no cost. The 50% and No Reduction options allow you to retain more of your Basic coverage, but they come with additional monthly premiums. Your choice will impact both your retirement income and survivor benefits, so it’s important to align your election with your overall <a class="" href="https://gofebra.com/fers-retirement/" target="_new" rel="noopener" data-start="1502" data-end="1557">FERS retirement</a> or CSRS planning.</p>
  45. <h2 data-start="1577" data-end="1638">What happens to FEGLI Option A, B, and C after retirement?</h2>
  46. <p data-start="1640" data-end="2323">FEGLI Option A (a fixed $10,000 benefit) can continue into retirement and, like Basic coverage, has a free 75% reduction after age 65. Option B and Option C, however, are more expensive and are not free in retirement. Option B (coverage up to 5 times your salary) and Option C (coverage for spouse and children) can continue, but premiums increase significantly every five years. Retirees can reduce or cancel these options at any time. Many federal employees elect to reduce or drop Options B and C after retirement and explore <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="2169" data-end="2264">insurance and supplemental benefits</a> to replace them with more cost-effective private policies.</p>
  47. <h2 data-start="2325" data-end="2379">What are the 2025 FEGLI premium rates for retirees?</h2>
  48. <p data-start="2381" data-end="2656">FEGLI premiums for retirees are tiered by age and coverage type. Basic coverage under the 75% Reduction option becomes free at age 65. However, if you opt for 50% or No Reduction, monthly premiums will continue based on the following approximate rates (as of 2025 estimates):</p>
  49. <div class="_tableContainer_80l1q_1">
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  53. <tr data-start="2658" data-end="2731">
  54. <th data-start="2658" data-end="2670" data-col-size="sm">Age Group</th>
  55. <th data-start="2670" data-end="2696" data-col-size="sm">Option B/C (per $1,000)</th>
  56. <th data-start="2696" data-end="2731" data-col-size="sm">No Reduction Basic (per $1,000)</th>
  57. </tr>
  58. </thead>
  59. <tbody data-start="2807" data-end="3106">
  60. <tr data-start="2807" data-end="2881">
  61. <td data-start="2807" data-end="2819" data-col-size="sm">65-69</td>
  62. <td data-start="2819" data-end="2846" data-col-size="sm">$0.60</td>
  63. <td data-start="2846" data-end="2881" data-col-size="sm">$0.325</td>
  64. </tr>
  65. <tr data-start="2882" data-end="2956">
  66. <td data-start="2882" data-end="2894" data-col-size="sm">70-74</td>
  67. <td data-start="2894" data-end="2921" data-col-size="sm">$1.10</td>
  68. <td data-start="2921" data-end="2956" data-col-size="sm">$0.55</td>
  69. </tr>
  70. <tr data-start="2957" data-end="3031">
  71. <td data-start="2957" data-end="2969" data-col-size="sm">75-79</td>
  72. <td data-start="2969" data-end="2996" data-col-size="sm">$1.80</td>
  73. <td data-start="2996" data-end="3031" data-col-size="sm">$0.825</td>
  74. </tr>
  75. <tr data-start="3032" data-end="3106">
  76. <td data-start="3032" data-end="3044" data-col-size="sm">80+</td>
  77. <td data-col-size="sm" data-start="3044" data-end="3071">$2.90</td>
  78. <td data-col-size="sm" data-start="3071" data-end="3106">$1.30</td>
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  87. <p data-start="3108" data-end="3321">These premiums can add up quickly, especially for retirees living on a fixed income. That’s why it’s important to evaluate the real cost versus the benefit and consider alternatives before making a final decision.</p>
  88. <h2 data-start="3323" data-end="3410"><img fetchpriority="high" decoding="async" class="size-full wp-image-4217 aligncenter" src="https://gofebra.com/wp-content/uploads/2025/07/civil-service-life-insurance-after-retirement-1.jpg" alt="civil service life insurance after retirement" width="1280" height="853" srcset="https://gofebra.com/wp-content/uploads/2025/07/civil-service-life-insurance-after-retirement-1.jpg 1280w, https://gofebra.com/wp-content/uploads/2025/07/civil-service-life-insurance-after-retirement-1-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/07/civil-service-life-insurance-after-retirement-1-1024x682.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/07/civil-service-life-insurance-after-retirement-1-768x512.jpg 768w, https://gofebra.com/wp-content/uploads/2025/07/civil-service-life-insurance-after-retirement-1-600x400.jpg 600w" sizes="(max-width: 1280px) 100vw, 1280px" /><br />
  89. Can civil service life insurance after retirement be replaced with private coverage?</h2>
  90. <p data-start="3412" data-end="4094">Yes, many retirees choose to drop or reduce their civil service life insurance after retirement and replace it with private life insurance. This decision often comes down to <strong data-start="3586" data-end="3628">cost, flexibility, and legacy planning</strong>. While FEGLI provides guaranteed coverage regardless of health status, private policies can offer better customization, stable premiums, and higher benefit potential if secured early. It’s wise to compare the FEGLI options against private insurance, especially if you’re carrying Option B into retirement. Review these choices with a trusted federal benefits advisor or explore retirement alternatives with resources like <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="4051" data-end="4093">GoFebra</a>.</p>
  91. <h2 data-start="4096" data-end="4176">Does your retirement system—FERS or CSRS—affect your life insurance benefits?</h2>
  92. <p data-start="4178" data-end="4802">Whether you’re under CSRS or FERS, your civil service life insurance after retirement functions largely the same. The primary difference lies in how it fits into your broader retirement package. CSRS retirees often rely more heavily on their annuity since they may not receive Social Security benefits. This makes preserving every dollar in retirement more critical. FERS retirees, by contrast, may have more flexibility through Social Security and TSP. Understanding how life insurance fits within <a class="" href="https://gofebra.com/csrs-information/" target="_new" rel="noopener" data-start="4677" data-end="4742">CSRS retirement benefits</a> can help you avoid unnecessary costs or gaps in protection.</p>
  93. <h2 data-start="4804" data-end="4864">Is civil service life insurance after retirement taxable?</h2>
  94. <p data-start="4866" data-end="5506">FEGLI proceeds paid to beneficiaries are generally <strong data-start="4917" data-end="4942">not taxable as income</strong>, making them a useful estate planning tool. However, any interest earned on a delayed payment or if the death benefit is left in an interest-bearing account may be taxable. While premiums are not tax-deductible, the non-taxable payout is one reason retirees consider keeping at least Basic FEGLI coverage. If your estate planning includes gifting, trusts, or tax-sensitive assets, be sure to consult with a qualified advisor. You can also learn more about the tax treatment of federal benefits through trusted advisors at <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="5465" data-end="5505">GoFebra</a>.</p>
  95. <h2 data-start="5508" data-end="5587">Can you cancel or reduce your civil service life insurance after retirement?</h2>
  96. <p data-start="5589" data-end="6119">Yes, you can cancel or reduce your FEGLI coverage at any time after retirement, but you <strong data-start="5677" data-end="5687">cannot</strong> increase it. For this reason, many employees opt to carry the coverage they <em data-start="5764" data-end="5771">might</em> need into retirement and then adjust downward later. It’s important to understand that once you reduce or cancel a part of your coverage, you cannot get it back—even if your health changes. Therefore, decisions about FEGLI after retirement should be made carefully and as part of a broader benefits review, ideally during your final working years.</p>
  97. <h2 data-start="6121" data-end="6187">How does life insurance after retirement affect your survivors?</h2>
  98. <p data-start="6189" data-end="6858">Civil service life insurance after retirement can provide peace of mind and financial support to your survivors. Whether it&#8217;s helping cover funeral expenses, medical bills, mortgage balances, or general living costs, the tax-free lump sum can relieve your loved ones of financial stress during a difficult time. If you’ve elected a survivor annuity under FERS or CSRS, this coverage can enhance that benefit. The key is ensuring that beneficiaries are up to date and that your loved ones understand how to claim benefits. For more insight into coordinating survivor benefits, <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="6765" data-end="6796">GoFebra</a> offers personalized federal retirement education and support.</p>
  99. <h2 data-start="6860" data-end="6949">What should you consider before keeping civil service life insurance after retirement?</h2>
  100. <p data-start="6951" data-end="7060">Before committing to keeping your civil service life insurance after retirement, weigh the following factors:</p>
  101. <ul data-start="7062" data-end="7364">
  102. <li data-start="7062" data-end="7103">
  103. <p data-start="7064" data-end="7103"><strong data-start="7064" data-end="7101">Do you still need life insurance?</strong></p>
  104. </li>
  105. <li data-start="7104" data-end="7150">
  106. <p data-start="7106" data-end="7150"><strong data-start="7106" data-end="7148">Are the premiums manageable long-term?</strong></p>
  107. </li>
  108. <li data-start="7151" data-end="7221">
  109. <p data-start="7153" data-end="7221"><strong data-start="7153" data-end="7219">Could private insurance offer better coverage at a lower cost?</strong></p>
  110. </li>
  111. <li data-start="7222" data-end="7302">
  112. <p data-start="7224" data-end="7302"><strong data-start="7224" data-end="7300">Are you using the benefit to leave a legacy or cover immediate expenses?</strong></p>
  113. </li>
  114. <li data-start="7303" data-end="7364">
  115. <p data-start="7305" data-end="7364"><strong data-start="7305" data-end="7364">Does the policy complement your retirement income plan?</strong></p>
  116. </li>
  117. </ul>
  118. <p data-start="7366" data-end="7680">These questions are crucial when aligning your life insurance with your long-term financial and estate goals. Getting help from a federal benefits expert or using retirement planning resources like <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="7564" data-end="7631">GoFebra</a> can help you navigate your choices with clarity.</p>
  119. ]]></content:encoded>
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  125. </item>
  126. <item>
  127. <title>Humana Dental for Federal Employees: How Much Will It Really Save You?</title>
  128. <link>https://gofebra.com/humana-dental-for-federal-employees-how-much-will-it-really-save-you/</link>
  129. <comments>https://gofebra.com/humana-dental-for-federal-employees-how-much-will-it-really-save-you/#respond</comments>
  131. <dc:creator><![CDATA[admin]]></dc:creator>
  132. <pubDate>Thu, 24 Jul 2025 15:19:14 +0000</pubDate>
  133. <category><![CDATA[News]]></category>
  134. <guid isPermaLink="false">https://gofebra.com/?p=4210</guid>
  135.  
  136. <description><![CDATA[What is Humana Dental for federal employees and how does it work? Humana Dental for federal employees is a dental insurance plan offered through the Federal Employees Dental and Vision Insurance Program (FEDVIP). It provides access to preventive care, routine dental procedures, and major dental services with the convenience of a large national provider network. [&#8230;]]]></description>
  137. <content:encoded><![CDATA[<h2 data-start="74" data-end="142">What is Humana Dental for federal employees and how does it work?</h2>
  138. <p data-start="144" data-end="854">Humana Dental for federal employees is a dental insurance plan offered through the Federal Employees Dental and Vision Insurance Program (FEDVIP). It provides access to preventive care, routine dental procedures, and major dental services with the convenience of a large national provider network. The plan is specifically tailored to meet the needs of current and retired federal employees, offering flexibility and competitive pricing based on location, family size, and coverage level. Enrolling in Humana Dental is voluntary and premiums are paid with after-tax dollars, but the savings on dental services can be substantial over time, especially for families or individuals with ongoing dental care needs.</p>
  139. <h2 data-start="856" data-end="922">How much does Humana Dental cost for federal employees in 2025?</h2>
  140. <p data-start="924" data-end="1211">The cost of Humana Dental for federal employees depends on several factors, including the region you live in and whether you choose self-only, self-plus-one, or family coverage. In 2025, monthly premiums typically range from $11–$50 depending on your plan tier and location. For example:</p>
  141. <div class="_tableContainer_80l1q_1">
  142. <div class="_tableWrapper_80l1q_14 group flex w-fit flex-col-reverse" tabindex="-1">
  143. <table class="w-fit min-w-(--thread-content-width)" data-start="1213" data-end="1442">
  144. <thead data-start="1213" data-end="1258">
  145. <tr data-start="1213" data-end="1258">
  146. <th data-start="1213" data-end="1231" data-col-size="sm">Coverage Type</th>
  147. <th data-start="1231" data-end="1258" data-col-size="sm">Monthly Premium (Range)</th>
  148. </tr>
  149. </thead>
  150. <tbody data-start="1305" data-end="1442">
  151. <tr data-start="1305" data-end="1350">
  152. <td data-start="1305" data-end="1323" data-col-size="sm">Self Only</td>
  153. <td data-col-size="sm" data-start="1323" data-end="1350">$11 – $16</td>
  154. </tr>
  155. <tr data-start="1351" data-end="1396">
  156. <td data-start="1351" data-end="1369" data-col-size="sm">Self + One</td>
  157. <td data-col-size="sm" data-start="1369" data-end="1396">$22 – $33</td>
  158. </tr>
  159. <tr data-start="1397" data-end="1442">
  160. <td data-start="1397" data-end="1415" data-col-size="sm">Family</td>
  161. <td data-col-size="sm" data-start="1415" data-end="1442">$30 – $50</td>
  162. </tr>
  163. </tbody>
  164. </table>
  165. <div class="sticky end-(--thread-content-margin) h-0 self-end select-none">
  166. <div class="absolute end-0 flex items-end"></div>
  167. </div>
  168. </div>
  169. </div>
  170. <p data-start="1444" data-end="1838">Premiums are consistent year-round and do not change based on usage, making it easier to budget. It’s important to compare plan options during Open Season and consider your specific dental needs before selecting coverage. Many federal employees also weigh these costs alongside retirement planning and other benefits, such as the <a class="" href="https://gofebra.com/thrift-savings-plan/" target="_new" rel="noopener" data-start="1774" data-end="1837">Thrift Savings Plan</a>.</p>
  171. <h2 data-start="1840" data-end="1911">What services are covered under Humana Dental for federal employees?</h2>
  172. <p data-start="1913" data-end="2057">Humana Dental for federal employees covers a wide range of services including preventive, basic, and major dental care. Coverage often includes:</p>
  173. <ul data-start="2059" data-end="2375">
  174. <li data-start="2059" data-end="2144">
  175. <p data-start="2061" data-end="2144"><strong data-start="2061" data-end="2084">Preventive services</strong>: cleanings, exams, and X-rays (often at no additional cost)</p>
  176. </li>
  177. <li data-start="2145" data-end="2222">
  178. <p data-start="2147" data-end="2222"><strong data-start="2147" data-end="2165">Basic services</strong>: fillings, extractions, and minor periodontal procedures</p>
  179. </li>
  180. <li data-start="2223" data-end="2298">
  181. <p data-start="2225" data-end="2298"><strong data-start="2225" data-end="2243">Major services</strong>: crowns, bridges, dentures, and complex oral surgeries</p>
  182. </li>
  183. <li data-start="2299" data-end="2375">
  184. <p data-start="2301" data-end="2375"><strong data-start="2301" data-end="2317">Orthodontics</strong>: available in some plan options (especially for families)</p>
  185. </li>
  186. </ul>
  187. <p data-start="2377" data-end="2771">While some services are fully covered, others may require coinsurance or copayments. Many of the preventive services are 100% covered when performed by an in-network provider, which can lead to hundreds of dollars in savings annually for individuals who prioritize routine care. You can find the full benefits breakdown through FEDVIP or a benefits advisor like <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="2739" data-end="2770">GoFebra</a>.</p>
  188. <h2 data-start="2773" data-end="2840">How much can federal employees save annually with Humana Dental?</h2>
  189. <p data-start="2842" data-end="3140">The potential savings with Humana Dental for federal employees varies based on usage. Someone who only uses preventive care might save $200–$400 per year through waived costs for cleanings and exams. Those needing more extensive care—such as crowns, root canals, or orthodontics—can save thousands.</p>
  190. <p data-start="3142" data-end="3188">Here’s an example of estimated annual savings:</p>
  191. <div class="_tableContainer_80l1q_1">
  192. <div class="_tableWrapper_80l1q_14 group flex w-fit flex-col-reverse" tabindex="-1">
  193. <table class="w-fit min-w-(--thread-content-width)" data-start="3190" data-end="3710">
  194. <thead data-start="3190" data-end="3294">
  195. <tr data-start="3190" data-end="3294">
  196. <th data-start="3190" data-end="3214" data-col-size="sm">Procedure Type</th>
  197. <th data-start="3214" data-end="3247" data-col-size="sm">Average Cost Without Insurance</th>
  198. <th data-start="3247" data-end="3283" data-col-size="sm">Estimated Cost with Humana Dental</th>
  199. <th data-start="3283" data-end="3294" data-col-size="sm">Savings</th>
  200. </tr>
  201. </thead>
  202. <tbody data-start="3399" data-end="3710">
  203. <tr data-start="3399" data-end="3502">
  204. <td data-start="3399" data-end="3423" data-col-size="sm">2 Cleanings + X-rays</td>
  205. <td data-col-size="sm" data-start="3423" data-end="3455">$350</td>
  206. <td data-col-size="sm" data-start="3455" data-end="3491">$0 (in-network)</td>
  207. <td data-col-size="sm" data-start="3491" data-end="3502">$350</td>
  208. </tr>
  209. <tr data-start="3503" data-end="3606">
  210. <td data-start="3503" data-end="3527" data-col-size="sm">1 Crown</td>
  211. <td data-col-size="sm" data-start="3527" data-end="3559">$1,200</td>
  212. <td data-col-size="sm" data-start="3559" data-end="3595">$400–$600</td>
  213. <td data-col-size="sm" data-start="3595" data-end="3606">$600–800</td>
  214. </tr>
  215. <tr data-start="3607" data-end="3710">
  216. <td data-start="3607" data-end="3631" data-col-size="sm">Orthodontics (child)</td>
  217. <td data-col-size="sm" data-start="3631" data-end="3663">$5,000</td>
  218. <td data-col-size="sm" data-start="3663" data-end="3699">$2,500–$3,000</td>
  219. <td data-col-size="sm" data-start="3699" data-end="3710">$2,000+</td>
  220. </tr>
  221. </tbody>
  222. </table>
  223. <div class="sticky end-(--thread-content-margin) h-0 self-end select-none">
  224. <div class="absolute end-0 flex items-end"></div>
  225. </div>
  226. </div>
  227. </div>
  228. <p data-start="3712" data-end="3855">If you or your family anticipate dental procedures in the coming year, Humana Dental can offer substantial savings versus paying out-of-pocket.</p>
  229. <h2 data-start="3857" data-end="3912"><img decoding="async" class="size-full wp-image-4212 aligncenter" src="https://gofebra.com/wp-content/uploads/2025/07/Humana-Dental-for-federal-employees-2.jpg" alt="Humana Dental for federal employees" width="1280" height="853" srcset="https://gofebra.com/wp-content/uploads/2025/07/Humana-Dental-for-federal-employees-2.jpg 1280w, https://gofebra.com/wp-content/uploads/2025/07/Humana-Dental-for-federal-employees-2-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/07/Humana-Dental-for-federal-employees-2-1024x682.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/07/Humana-Dental-for-federal-employees-2-768x512.jpg 768w, https://gofebra.com/wp-content/uploads/2025/07/Humana-Dental-for-federal-employees-2-600x400.jpg 600w" sizes="(max-width: 1280px) 100vw, 1280px" /><br />
  230. Is Humana Dental a good option for federal retirees?</h2>
  231. <p data-start="3914" data-end="4518">Yes, Humana Dental is often a strong option for federal retirees because it is <strong data-start="3993" data-end="4005">portable</strong>—you can carry it into retirement without interruption, as long as you continue to pay premiums. Dental care is not covered under Medicare, so maintaining a standalone dental policy becomes essential. Humana Dental offers reliable coverage without the need to find a new provider or insurer after leaving government service. For those under <a class="" href="https://gofebra.com/fers-retirement/" target="_new" rel="noopener" data-start="4346" data-end="4401">FERS retirement</a> or CSRS, this benefit can be critical for managing health care costs in retirement without sacrificing quality care.</p>
  232. <h2 data-start="4520" data-end="4576">Does Humana Dental cover dependents and orthodontics?</h2>
  233. <p data-start="4578" data-end="5272">Yes, Humana Dental for federal employees offers plans that include coverage for dependents, including spouses and children. Plans that include orthodontic coverage are especially beneficial for families with children who may require braces or other alignment treatments. While not all Humana plans include orthodontics, those that do typically offer 50% coverage up to a lifetime maximum (often $1,500–$3,000). It&#8217;s essential to review plan options carefully to ensure the right benefits are included for your family&#8217;s needs. You can coordinate these selections during Open Season or with help from a licensed advisor through <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="5204" data-end="5271">GoFebra</a>.</p>
  234. <h2 data-start="5274" data-end="5329">How does the Humana Dental provider network compare?</h2>
  235. <p data-start="5331" data-end="5914">Humana has one of the largest dental networks in the United States, offering wide access to general dentists, specialists, and orthodontists. For federal employees—especially those who relocate or travel frequently—having access to a national provider network is a major advantage. In-network providers offer the most savings, and with Humana’s network size, it’s easier to find a nearby provider who accepts your plan. Using out-of-network providers is possible but may involve higher costs and reduced coverage. Always verify your dentist is in-network to avoid unexpected charges.</p>
  236. <h2 data-start="5916" data-end="5973">What happens if you delay enrollment in Humana Dental?</h2>
  237. <p data-start="5975" data-end="6610">Enrollment in Humana Dental for federal employees is typically only available during the annual Open Season or after a qualifying life event (QLE), such as marriage, birth of a child, or loss of other coverage. Delaying enrollment can leave you or your dependents without dental coverage for an entire year, potentially resulting in hundreds or thousands in out-of-pocket expenses. If you&#8217;re approaching retirement, the risks of delay are even greater since dental care becomes more essential—and more expensive—as you age. Learn more about timing and eligibility through <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="6547" data-end="6609">GoFebra Retirement Services</a>.</p>
  238. <h2 data-start="6612" data-end="6673">Can Humana Dental be combined with other federal benefits?</h2>
  239. <p data-start="6675" data-end="7305">Yes, Humana Dental works in conjunction with your other federal benefits, including health insurance, vision plans, and retirement income. It complements—but does not replace—your FEHB coverage, which typically does not include dental. In retirement, it becomes even more valuable when paired with Medicare and supplemental health policies. While the Humana Dental plan is separate from your health coverage, planning all benefits together ensures maximum value. For a full picture of how your dental, health, and life benefits align, federal employees often turn to trusted advisors like <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="7264" data-end="7304">GoFebra</a>.</p>
  240. <h2 data-start="7307" data-end="7371">How do you know if Humana Dental is the right choice for you?</h2>
  241. <p data-start="7373" data-end="7977">Deciding if Humana Dental for federal employees is the best fit depends on your personal and family dental needs, your location, and your budget. If you value preventive care, anticipate dental procedures, or want access to a wide provider network, Humana offers strong value and convenience. However, it’s important to compare all FEDVIP options during Open Season. Reviewing benefits, coverage exclusions, and cost-sharing terms will help you make an informed decision. If you’re unsure, consult with a federal benefits expert or use comparison tools during Open Season to weigh your options carefully.</p>
  242. ]]></content:encoded>
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  245. <slash:comments>0</slash:comments>
  248. </item>
  249. <item>
  250. <title>What Is the Postal Supplement and How Much Will You Get?</title>
  251. <link>https://gofebra.com/what-is-the-postal-supplement-and-how-much-will-you-get/</link>
  252. <comments>https://gofebra.com/what-is-the-postal-supplement-and-how-much-will-you-get/#respond</comments>
  254. <dc:creator><![CDATA[admin]]></dc:creator>
  255. <pubDate>Wed, 23 Jul 2025 15:09:23 +0000</pubDate>
  256. <category><![CDATA[News]]></category>
  257. <guid isPermaLink="false">https://gofebra.com/?p=4206</guid>
  258.  
  259. <description><![CDATA[What is the postal supplement and why does it exist? The postal supplement is a temporary benefit paid to eligible U.S. Postal Service employees who retire under the Federal Employees Retirement System (FERS) before age 62. Since Social Security benefits don’t begin until 62, this supplement was created to “bridge the gap” for those retiring [&#8230;]]]></description>
  260. <content:encoded><![CDATA[<h2 data-start="60" data-end="115">What is the postal supplement and why does it exist?</h2>
  261. <p data-start="117" data-end="813">The postal supplement is a temporary benefit paid to eligible U.S. Postal Service employees who retire under the Federal Employees Retirement System (FERS) before age 62. Since Social Security benefits don’t begin until 62, this supplement was created to “bridge the gap” for those retiring earlier. It mimics what you would receive from Social Security at age 62, based only on your federal service under FERS. This benefit is especially important for career postal workers who plan to retire in their late 50s and rely on multiple income streams to support their early retirement years. The postal supplement ensures that the sudden drop in income doesn’t derail your long-term financial plans.</p>
  262. <h2 data-start="815" data-end="858">Who qualifies for the postal supplement?</h2>
  263. <p data-start="860" data-end="1547">To receive the postal supplement, you must retire under an immediate, unreduced FERS retirement before reaching age 62. This generally means you’ve met one of the following combinations of age and service: age 60 with 20 years, or your Minimum Retirement Age (MRA) with 30 years of service. Importantly, early outs (VERA) and MRA+10 retirements typically <strong data-start="1215" data-end="1225">do not</strong> qualify unless they are considered immediate and unreduced. You also must be a FERS-covered postal employee, not a CSRS employee. If you&#8217;re unsure about your eligibility or how it ties into your retirement scenario, consult with a federal retirement specialist or explore the resources at <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="1515" data-end="1546">GoFebra</a>.</p>
  264. <h2 data-start="1549" data-end="1592">How is the postal supplement calculated?</h2>
  265. <p data-start="1594" data-end="1789">The postal supplement is calculated using a modified formula based on your estimated Social Security benefit at age 62—<strong data-start="1713" data-end="1764">but only for your years of FERS-covered service</strong>. The general formula is:</p>
  266. <div class="contain-inline-size rounded-2xl relative bg-token-sidebar-surface-primary">
  267. <div class="overflow-y-auto p-4" dir="ltr"><code class="whitespace-pre!">Estimated Social Security benefit at age <span class="hljs-number">62</span> × (FERS years / <span class="hljs-number">40</span>)<br />
  268. </code></div>
  269. </div>
  270. <p data-start="1864" data-end="1995">So if your projected Social Security benefit at 62 is $1,600/month and you’ve worked 30 years under FERS, your supplement would be:</p>
  271. <div class="contain-inline-size rounded-2xl relative bg-token-sidebar-surface-primary">
  272. <div class="overflow-y-auto p-4" dir="ltr"><code class="whitespace-pre!"><span class="hljs-variable">$1</span>,600 × (30 ÷ 40) = <span class="hljs-variable">$1</span>,200/month<br />
  273. </code></div>
  274. </div>
  275. <p data-start="2040" data-end="2262">This amount is <strong data-start="2055" data-end="2062">not</strong> adjusted for cost-of-living increases and remains fixed until it ends at age 62. Keep in mind, this is only an estimate, and final numbers may vary based on your earnings history and retirement date.</p>
  276. <h2 data-start="2264" data-end="2313"><img decoding="async" class="size-full wp-image-4207 aligncenter" src="https://gofebra.com/wp-content/uploads/2025/07/postal-supplement-1.jpg" alt="postal supplement " width="1280" height="853" srcset="https://gofebra.com/wp-content/uploads/2025/07/postal-supplement-1.jpg 1280w, https://gofebra.com/wp-content/uploads/2025/07/postal-supplement-1-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/07/postal-supplement-1-1024x682.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/07/postal-supplement-1-768x512.jpg 768w, https://gofebra.com/wp-content/uploads/2025/07/postal-supplement-1-600x400.jpg 600w" sizes="(max-width: 1280px) 100vw, 1280px" /></h2>
  277. <h2 data-start="2264" data-end="2313">When does the postal supplement begin and end?</h2>
  278. <p data-start="2315" data-end="2938">The postal supplement begins the month after your official retirement date if you&#8217;re eligible for an immediate, unreduced FERS retirement. There is no application process; it is automatically included in your annuity by the Office of Personnel Management (OPM). The benefit ends the month you turn 62, regardless of whether or not you begin collecting Social Security at that age. That’s why many retirees consider this benefit a short-term bridge rather than a long-term income solution. It’s also important to note that any delays in OPM processing could temporarily affect when you receive your first supplement payment.</p>
  279. <h2 data-start="2940" data-end="2994">Can the postal supplement be reduced or taken away?</h2>
  280. <p data-start="2996" data-end="3682">Yes, the postal supplement can be reduced—or even eliminated—if you earn above a certain threshold from wages or self-employment income. This reduction is tied to the same earnings test used by Social Security. In 2025, the earnings limit is expected to remain close to $22,320 annually (based on 2024 figures, subject to change). For every $2 you earn above the limit, $1 is deducted from your supplement. This means if you plan to work after retirement, you should budget carefully to avoid accidentally disqualifying yourself from this benefit. This rule does <strong data-start="3559" data-end="3566">not</strong> apply to income from the <a class="" href="https://gofebra.com/thrift-savings-plan/" target="_new" rel="noopener" data-start="3592" data-end="3655">Thrift Savings Plan</a>, pensions, or investments.</p>
  281. <h2 data-start="3684" data-end="3758">How does the postal supplement interact with other retirement benefits?</h2>
  282. <p data-start="3760" data-end="4477">The postal supplement is one part of a three-tiered system for FERS employees, which includes your basic FERS annuity, the supplement itself, and Social Security benefits beginning at 62. For most postal retirees, the supplement provides crucial income during the early years of retirement before Social Security kicks in. It does not reduce your FERS annuity or your future Social Security payments. However, it also does not receive any COLAs (cost-of-living adjustments), so its value will erode slightly in real terms. Smart financial planning—including use of <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="4325" data-end="4420">insurance and supplemental benefits</a>—is essential to cover inflation and unexpected expenses.</p>
  283. <h2 data-start="4479" data-end="4527">Do CSRS retirees receive a postal supplement?</h2>
  284. <p data-start="4529" data-end="5176">No. The postal supplement is strictly a FERS-only benefit. Retirees under the <a class="" href="https://gofebra.com/csrs-information/" target="_new" rel="noopener" data-start="4607" data-end="4659">CSRS system</a> do not qualify for the supplement because they are not eligible for Social Security benefits based on their federal employment. CSRS employees instead rely on their annuity, personal savings, and any Social Security credits earned from non-federal work. While CSRS retirees may receive generous annuities, they miss out on certain benefits available to FERS employees, including the supplement. If you’re under CSRS Offset, however, different rules apply—especially regarding how Social Security is integrated later.</p>
  285. <h2 data-start="5178" data-end="5212">Is the postal supplement taxed?</h2>
  286. <p data-start="5214" data-end="5895">Yes, the postal supplement is considered taxable income under federal law, just like your FERS annuity. It will be included on your 1099-R tax form each year. However, it is not subject to the FICA tax (Social Security and Medicare), since you’re no longer working. State taxes vary depending on where you live—some states tax federal retirement income, while others do not. You should account for this when calculating your net income during early retirement and possibly consult a tax advisor. Having a plan that considers both income and taxes—like the ones offered through <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="5791" data-end="5853">GoFebra Retirement Services</a>—can help maximize your retirement income.</p>
  287. <h2 data-start="5897" data-end="5944">How can you estimate your postal supplement?</h2>
  288. <p data-start="5946" data-end="6151">Estimating your postal supplement starts with getting your estimated Social Security benefit at age 62, which you can find by creating an account at <a class="" href="https://www.ssa.gov/" target="_new" rel="noopener nofollow" data-start="6095" data-end="6126">SSA.gov</a>. Then apply the formula:</p>
  289. <div class="contain-inline-size rounded-2xl relative bg-token-sidebar-surface-primary">
  290. <div class="overflow-y-auto p-4" dir="ltr"><code class="whitespace-pre!">Social Security estimate × (FERS service years ÷ <span class="hljs-number">40</span>)<br />
  291. </code></div>
  292. </div>
  293. <p data-start="6215" data-end="6689">It’s important to include only <strong data-start="6246" data-end="6276">FERS-covered service years</strong>—not temporary time, military time (unless bought back), or CSRS service. Some postal employees use online calculators or consult with benefits specialists to get more accurate estimates, especially when their service includes a mix of part-time, military, or offset service. You can also request a personalized estimate through a federal benefits counselor like those at <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="6648" data-end="6688">GoFebra</a>.</p>
  294. <h2 data-start="6691" data-end="6762">What should you consider when planning around the postal supplement?</h2>
  295. <p data-start="6764" data-end="7414">Because the postal supplement ends at 62 and doesn’t receive COLAs, it’s essential to have a long-term financial strategy. Will your Social Security and FERS annuity be enough to replace it? Do you need to delay Social Security or increase your TSP withdrawals at that time? Think about timing your retirement to maximize the benefit while ensuring you have other sources of income in place for when it ends. Your full retirement picture should include your annuity, TSP, supplement, and any private income streams. Tools, calculators, and advisors from <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="7318" data-end="7349">GoFebra</a> can help create a retirement plan that’s realistic and reliable.</p>
  296. ]]></content:encoded>
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  299. <slash:comments>0</slash:comments>
  302. </item>
  303. <item>
  304. <title>CSRS Social Security Rules in 2025: What’s Changing and What’s Not</title>
  305. <link>https://gofebra.com/csrs-social-security-rules-in-2025-whats-changing-and-whats-not/</link>
  306. <comments>https://gofebra.com/csrs-social-security-rules-in-2025-whats-changing-and-whats-not/#respond</comments>
  308. <dc:creator><![CDATA[admin]]></dc:creator>
  309. <pubDate>Tue, 22 Jul 2025 15:01:56 +0000</pubDate>
  310. <category><![CDATA[News]]></category>
  311. <guid isPermaLink="false">https://gofebra.com/?p=4202</guid>
  312.  
  313. <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, [&#8230;]]]></description>
  314. <content:encoded><![CDATA[<h2 data-start="70" data-end="131">What is the relationship between CSRS and Social Security?</h2>
  315. <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>
  316. <h2 data-start="839" data-end="900">What’s staying the same with CSRS Social Security in 2025?</h2>
  317. <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>
  318. <h2 data-start="1552" data-end="1623">Are there any updates to the Windfall Elimination Provision in 2025?</h2>
  319. <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>
  320. <h2 data-start="2272" data-end="2322">Has the Government Pension Offset rule changed?</h2>
  321. <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>
  322. <h2 data-start="2962" data-end="3017"><img loading="lazy" 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="auto, (max-width: 1280px) 100vw, 1280px" /></h2>
  323. <h2 data-start="2962" data-end="3017">How does CSRS offset affect Social Security in 2025?</h2>
  324. <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 &#8220;offset&#8221;) 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>
  325. <h2 data-start="3687" data-end="3761">Can CSRS retirees still qualify for Social Security through other work?</h2>
  326. <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>
  327. <h2 data-start="4449" data-end="4540">What retirement planning strategies can help with reduced CSRS Social Security benefits?</h2>
  328. <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>
  329. <h2 data-start="5253" data-end="5337">Are there any legislative proposals in 2025 to change CSRS Social Security rules?</h2>
  330. <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>
  331. <h2 data-start="5991" data-end="6059">How does CSRS Social Security interact with Medicare eligibility?</h2>
  332. <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>
  333. <h2 data-start="6729" data-end="6811">Where can CSRS retirees get help understanding their Social Security situation?</h2>
  334. <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>
  335. ]]></content:encoded>
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  338. <slash:comments>0</slash:comments>
  341. </item>
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  1. Download the "valid RSS" banner.

  2. Upload the image to your own server. (This step is important. Please do not link directly to the image on this server.)

  3. Add this HTML to your page (change the image src attribute if necessary):

If you would like to create a text link instead, here is the URL you can use:

http://www.feedvalidator.org/check.cgi?url=https%3A//gofebra.com/feed/

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