Insights

Federal employees have multiple retirement benefits available to them, but the greatest value comes from understanding how those benefits work together. Explore key considerations for coordinating your FERS pension, TSP, Social Security, healthcare, taxes, and estate plan for retirement.

For federal employees, the FERS survivor benefit election is about more than choosing between a higher pension today and a lower pension with survivor protection. It can affect your spouse’s lifetime income and health insurance coverage after your death. Take a closer look at the decision and why evaluating the numbers alone may not tell the whole story.