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Public Sector Retirement, LLC (‘PSR,’ ‘PSRetirement.com’ or the ‘Site’) is a news channel focusing on federal and postal retirement information. Although PSR publishes information believed to be accurate and from authors that have proclaimed themselves as experts in their given field of endeavor but PSR cannot guarantee the accuracy of any such information not can PSR independently verify such professional claims for accuracy. Expressly, PSR disclaims any liability for any inaccuracies written by authors on the Site, makes no claims to the validity of such information. By reading any information provided by June Kirby or other Authors you acknowledge that you have read and agree to be bound by the Terms of Use
FEHB and Medicare
What do FEHB and Medicare have to do with the other?
Americans are living longer and that means going forward we will have an unprecedented number of seniors making up the American population. Unfortunately, as the population ages, we will have a greater need for medical treatment and services – more visits to the doctor and more hospitalizations associated with aging.
The significant aging population also speaks to a decrease in income and earning capacity among that group due to retirement. As income declines, a balance will only be achieved by realizing a decline in expenses.
One of the greatest increases we face as an aging population is medical costs. One way of keeping your money in your pocket is by making sure your health care needs are covered. It is undeniable that health care will become one of the largest outlays of financial resources as we age.
FEHB will not pay for all our health care needs and neither will Medicare, but having them both should place us in a safe spot. For instance, one of the luxuries of retiring is traveling to other countries for many retirees. If you become ill and need emergency treatment while on travel, your FEHB will cover you, but not Medicare. It is very important to find out exactly what services are covered under your plan, be it FEHB, Medicare or a Medicare Advantage Plan.
Being a federal employee puts you in a very good position as you evaluate your future health care needs. Having the benefit of your FEHB and Medicare just might be one of the safest ways to protect your physical and financial health so that you can retire well.
P. S. Always Remember to Share What You Know.
FEHB who is a dependent
Who is considered a family member eligible as a dependent for coverage under my FEHB benefits?
That is a million dollar question that requires a million dollar answer. The definition of family member is rather broad for federal employees eligible to participate in the Federal Employees Health Benefits program. Below are a list of who is considered a family member for eligibility coverage provisions as a dependent under individual and family enrollment:
• Children Under Age 26
• Legally Adopted Childreny
• Spouse
• Spouse (Valid Common Law Marriage)
• Recognized natural children( Those born out of wedlock)
• Stepchildren
• Foster Children (Living in a Parent-Child Relationship)
• Children Age 26 and over ((Mental or physical disability before age 26)
and incapable of self-support.
The above list provides the information needed for you to determine who qualifies as a family member dependent and what benefits are available to them as a result of your federal employment. If you are unclear about the determination of a relationship between you and a dependent, your human resources office can work with you to establish who meets the relationship criteria to qualify for coverage as a family member.
P. S. Always Remember to Share What You Know.
Medicare eligibility and participation is important when you are considering your FEHB
Postal FEHB – www.LiteBlue.usps.gov
FEHB and Surviving Spouses
If I pass away, will my spouse be able to retain FEHB coverage?
Surviving spouses are able to keep FEHB coverage and pay the same competitive costs as active employees as long as eligibility criteria is met. Meeting the 5 year requirement can be achieved in a number of ways: the time you are covered as a family member under another’s enrollment (in this case, under the federal spouses enrollment) and the time you are covered under Tricare for Uniformed Services personnel covered under FEHB at the time of retirement.
Your spouse, including former spouses under certain conditions, may be eligible to participate in a benefits plan under FEHB. It is good planning to understand eligibility requirements to continue FEHB coverage for you, your spouse or former spouse, and available benefits to your survivors in the event of death.
Take the opportunity to discuss your package of benefits and how they work with your family members so together you can organize questions you need an answer to and present them to your human resources office. Planning now eliminates the stress of not knowing in the future. Retiring well means gettting your questions answered so both you and your family members will be well informed and protected.
Suggested Readings
Suggested Readings
Education and knowledge really will get you off to a good start to retiring well. Below are some suggested readings that offer insight into healthy retirement living and a stable financial future.
• How To Retire Without Retreating – Johnnie Godwin
• Crossroads After 50 – Donald Hirsch
• Retirement for Two – Maryanne Vandervelde
• Movin’ On-Your Options in Retirement Living – W. Thomas Cunningham
• Live Long and Prosper – Steven G. Vernon
• The New Retirement – Jan Cullinane, Cathy Fitzgerald
• Retirement Planning – Margaret Jasper and Joan F. Banks
• The 7 Strategies for a Successful Retirement – Scott Magnacca
• How Much Is Enough – Diane Lynn McCurdy
• Social Security, Medicare and Government Pensions – Joseph L. Matthews and Dorothy Matthews Berman
Relax, enjoy these suggested readings and earmark those things that will help you plan a safe and secure retirement future. It is easier by the inch than it is by the mile and the suggested readings offer insight into retiring well.
P. S. Always Remember to Share What You Know.
Are you eligible for Social Security – find out and plan accordingly
Your Medicare Benefits are an important part of your retirement plan
You should always know how your Thrift Savings Plan account is performing
Medicare Part D
Medicare Part D
Medicare Part D is an option that you may want to consider as you become eligible. Medicare Part D eligibility is based on the standard eligiblity factors associated with Medicare but the Medicare Part D coverage has more expansive benefits for those recipients who have larger prescription drug costs.
Medicare Part D was;
- Implemented in 2006 as a voluntary prescription benefit.
- Premiums averaged approximately $32 per month with a $250 deductible for Medicare Part D plans.
- Is a cost-sharing benefit, with Medicare paying 75 to 95 percent based on drug costs.
- Individuals with lower incomes may be exempt from the cost-sharing and instead pay small co-pays per prescription.
- Managed by private health insurance companies for a monthly premium.
- Open to everyone on Medicare without income consideration.
- Generally includes low co-payments or co-insurance for brand and generic prescription drugs.
- Can be chosen as a stand-alone drug plan or it may be a part of your Medicare Advantage Plan.
- There are many plans available, comparison shopping is a wise choice to find the proper fit for your budget.
P. S. Always Remember to Share What You Know.
Because of the unique health benefits that Federal and Postal employees receive in retirement you may wish to consider some additional reading on your FEHB coverage.
If you are a Postal employee click HERE for your LiteBlue account
Enrollment for Medicare – Part B
Enrollment for Medicare Part B is based on numerous factors.
You have the option to delay enrollment in Medicare Part B. One instance would be if you did not take Medicare Part B at the point of eligibility, for instance, because you or your spouse were still working and covered under an employee sponsored group health plan.
The Medicare enrollment period generally runs annually from January 1 – March 31. Coverage begins on July 1 of the year of enrollment. Remember you may have to pay a premium surcharge for late enrollment unless you are covered by a group health plan like the Federal Employees Health Benefits Plan (FEHB) based on current enrollment when you are first able to receive Medicare.
If you are disabled, your coverage can be as a result of your own or a family member’s current employment.
P. S. Always Remember to Share What You Know.
Medicare and FEHB can be confusing. You may wish to continue your reading here.
For Postal Employees access your LiteBlue account here
Questions to Ask – Prescription Drug Plan
~~When choosing a Medicare Prescription Drug Plan, it is always a good strategy to determine the right fit for you.
You will need to ask and answer the questions below determine which prescription drug plan is best for you;
• Does my plan live up to Medicare standards?
• What are my up-front costs, for the Prescription Drug coverage under the plan, if any?
• Will the plan cover the prescription drugs I need now and will likely need in the future?
• Is the prescription drug plan easy to understand?
• Will I have to take extra steps to get my prescription drugs?
• Will the pharmacy be able to tell me how much I will have to pay for each prescription drug?
Getting your questions answered before choosing a prescription drug plan will give you peace-of-mind and support your goal to retire well.
P. S. Always Remember to Share What You Know.
Medicare Parts
~~Do You Know What Services are Covered Under the Different Medicare Parts?
Medicare is an important part of your retirement health. You should be aware of the differences between ‘standard’ Medicare coverage and the various options available to you (as well as the different Medicare Parts).
Medicare Part A (Hospital Insurance) covers:
• Inpatient hospital
• Home health care
• Skilled Nursing Facility Care
• Hospice Care
Medicare Part B (Medical Insurance) covers:
• Doctors’ services
• Outpatient hospital care
• X-rays and laboratory tests
• Durable medical equipment and supplies
• Home health care (even if you don’t have Part A)
• Limited ambulance transportation
• Certain preventive care
• Other Outpatient services
• Physical and Occupational therapy
Follow the blog for additional information on what you don’t know about the different Medicare Parts that could change your retirement outlook.
P. S. Always Remember To Share What You Know.
Medicare Part B
Medicare Part B
Do You Know Enough About Medicare?
Original Medicare, recognized as a fee-for-service plan, has two primary components: Medicare Part A (Hospital Insurance) mentioned in the previous post on automatic qualifications and Medicare Part B (Medical Insurance).
Medicare Part A is generally premium-free. However, Medicare Part B requires the payment of a monthly premium. The premiums are withheld from your monthly Social Security or your Annuity. In addition to Original Medicare, there is also Medicare Advantage carried by private insurance companies. These companies must still comply with the guidelines, policies and procedures under Original Medicare. For simplicity we will refer to Original Medicare as Old Medicare and Medicare Advantage as New Medicare, although it has been around since 1999.
In order to qualify for Medicare Advantage (Part C) you must be eligible for Medicare Part A and Medicare Part B. The Medicare Advantage Plans, which are not available in all states, cover A, B, C and sometimes D (Prescription Drugs). Medicare Prescription Drug Plans may not be included in all Medicare Advantage plans. Medicare Advantage Plans, however, provide a number of alternatives in coverage such as Medicare Health Maintenance Organizations (HMOs) or Preferred Provider Organizations (PPOs).
Medicare recipients have a number of plans to choose from for hospital and medical benefits. Whatever plan you choose, you still maintain all of the benefits, appeals rights and protection afforded under Medicare.
P. S. Always Remember To Share What You Know.
Medicare is an important part of your retirement planning
Tips to Getting Your House in Order to Retire Well
~~Sharing Information
Pension systems and retirement plans often have many provisions that can be challenging to navigate and understand, the Federal Retirement Systems are no different. However, sharing information and provisions of your retirement system with spouses, partners and family members are important.
There are questions to be considered when putting plans in place for retirement, be it at the end of one’s career or at the beginning. Sharing information is key to proper planning.
• Are the people involved in your life appropriately aware of your financial picture (your Thrift Savings Plan, FEGLI selections, Last will, etc.)?
• Do they share the same financial values, objectives and goals as you?
• How will the loss of your income impact their ability to independently handle finances?
• If you’re a postal employee – have you printed out and saved copies of your LiteBlue.usps.gov information?
• Has there been a discussion as to the location of important documents and files including any TSP withdrawals?
• Do they know who to contact in the event of a tragedy at your place of employment and what action to take concerning your benefits?
• Have you talked with them about your Thrift Savings Plan , your Annuity, how much they might receive from your (FEGLI) life insurance and who your beneficiaries are if you were to pass?
Whether you are single or married everybody needs someone they trust to know these things. Sharing information with these trusted individuals ensures fewer details are missed.
Everybody needs a partner when it comes to planning the business of our lives and for planning for the safety and security of retirement.
P. S. Always Remember to Share What You Know.
Access your TSP.gov account from here
Simple Formula For Estimating Retirement Income
~~A Simple Formula for Estimating What Your Retirement Income Might Look Like
Estimate of Social Security eligibility and payments plus Estimate of your pension or annuity plus any income that you Thrift Savings Plan is able to produce equals the Estimate of Your Retirement Income
Until you actually get ready to retire and submit you retirement application this formula is a moving target because your earnings are changing, thus impacting the outcome of what your retirement income will look like. However, checking the health of your financial picture, such as looking at how your TSP account is performing and making any necessary changes is a good exercise to keep you on track to retiring well. About 5 years before you are going to retire (and certainly within 1 year and consistently thereafter) you should be working with a financial expert who is knowledgeable in Federal Benefits and TSP Fund choices and alternatives and looking for financial guidance.
This exercise will also alert you to whether you need to consider other options for your retirement future such as increasing savings or contributions to your TSP and evaluating Annuity expenses and spending habits. It can also be very useful in determining what your income and expenses represent at various stages in your work career and life. It is easier by the inch than the mile. Getting a snap shot view of your financial health early is tantamount to a successful retirement future.
P. S. Always Remember to Share What You Know
Information on your Annuity Calculations can be found here
Check out your Social Security Benefits
How can you access your TSP account
Postal employees can access their Thrift Savings Plan through LiteBlue
Where Will Your Retirement Income Come From?
~~Where Will Your Retirement Income come from?
The majority of Americans will receive income from Social Security, an Employee Pension, and Savings and Investments. Will you have all of the sources listed? If you are a federal employee chances are you will. As a federal employee you have the advantage of an Employee Pension (Annuity), FERS employees lso have Social Security under their retirement system. CSRS employees may have Social Security if they have worked outside of the federal service. Each group has the opportunity to have savings and investments through the Thrift Savings Plan.
Although retirement income may come from many other sources such as an inheritance, life insurance, or equity in your home, the majority of Americans will receive income from Social Security, a Pension or personal savings and investments.
Where will your retirment income come from when you retire is a question to ponder and give deep consideration when evaluating your financial health and readiness for retirement. If you are nearing retirement you should absolutely speak with a financial professional who is an expert in your unique benefits before you make any decisions.
P. S. Always Remember to Share What You Know.
More information on your TSP.gov account
Postal employees can access their LiteBlue information from here
Can I Choose My Own Retirement Date?
Can I choose my own retirement date?
Is there a best day to retire? The answer is yes, but with some qualifiers. Choosing a retirement date should certainly be of your own choosing. However, there are some important factors to consider when choosing the best retirement date, like are you getting the maximum benefit available to you.
To be on the safe side, it is a good rule of thumb to visit your human resources office where your employment records are kept to discuss best options for your retirement date and other subjects. Your human resources office should be able to determine if you meet the age and length of service requirements based on the date you have chosen. It is good to select a number of potential retirement dates so that you are not disappointed if the first choice is not to your advantage.
The human resources office will not only help you choose the best day to retire but will speak to you about when your annuity payments will begin based on the selected date of retirement. They will also counsel you if you do not meet the age and service requirements and help you understand how the additional requirements can be met. Human resources cannot, however, help calculate how your TSP account balance or help you make TSP related decisions, or any other savings may impact your decisions about retirement. You will need to talk with a financial professional who is also an expert in your benefits for that type of calculation.
For example, under the Civil Service Retirement System (CSRS) if you retire between the 1st thru the 3rd of the month your annuity will begin the following day and you will receive your check on the 1st of the following month. If you retire on the 4th and after your annuity will begin the following month and you will receive your check on the 1st of the next month. Example: Retiring on the 4th of October and after, annuity begins in November and you will receive your check in December. There is a remarkable time difference based on when you retire. Therefore, knowing when to retire is very important information to have at your disposal.
The annuity begins the 1st day of the following month for employees retiring under the Federal Employees Retirement System (FERS). Having the right information, carefully evaluating all of the available information (including TSP allocations, etc.) and selecting options that offer you the greatest benefit is without question the best date to retire well.
P. S. Always Remember to Share what You Know.
What should you do 1 Year before Retirement
Postal employees should regularly check their LiteBlue information (FEHB, TSP.gov allocations, etc.)
Retire Well – How Long Should I Work?
Deciding how long to work to ensure you retire well.
That question is easily answered by another question – What do you want? Many employees want to work long enough to retire well and take control of their choices and options. They want to have enough money to live on. In other words, they want to retire rich. Does retiring rich mean having a million dollars in your Thrift Savings Plan? Not according to my calculations, it means very simply having enough money to take care of all your expenses with some left over to do as you will without feeling strained. It means further having the option to work or play and whatever the option, it is based on want and not need.
Any of us will gladly take the millions, but having your assets outweigh your liabilities will put you in the comfortable category and ensuring you retire well. Now, it helps to know as you are evaluating what you want, what are the maximum benefits you can receive based on your length of service.
If you are a part of the Civil Service Retirement System (CSRS) you must work 41 years and 11 months in order to receive the maximum 80% of your high-3 average salary. However, if you are a Law Enforcement Officer (LEOs) under special computation provisions you may be eligible to receive the 80% limit with fewer years of service.
Individuals under the Federal Employees Retirement System (FERS) are not subject to the CSRS limitation, but use a different computation for length of service and high-3 average salary. Understanding which limitations apply to you are key to retire well.
It is also important to know that if you work beyond the years needed to achieve the maximum benefit under CSRS, the time will not be used to compute your annuity. The contributions you make during that time will, however, be automatically refunded to you with interest at a rate of approximately 3% per year, compounded annually.
P.S. Always Remember to Share What You Know.
LINKS
You should consider your TSP.gov contributions and balances and allocation.
Postal Employees – LiteBlue.usps.gov
Retire Well – Retirement Application
About the Retirement Application
We spoke briefly about the retirement application package in a previous post. The question of when the Retirement Application should be completed is relevant in evaluating your check list of things to do in order to take full advantage of your Federal and Postal Benefits.
Reading carefully all of the information in the Retirement Application package is a must before submission. There is no need to submit a letter of resignation since your completed application is equivalent to a resignation. Further, if you are eligible for benefits it is important not to resign with the intent of retiring later. Suppose you were to pass away after leaving your employment but before submitting your retirement application.
You would have no life insurance, no survivor benefit and no survivor health care coverage available to your survivors. It is always a good idea to talk to your human resource office when making important decisions that impact you and your family. Make sure your FEGLI coverage is appropriate for your needs and that you have a plan for your TSP.
P. S. Always Remember to Share What You Know.
LINKS
Learn more about your FEGLI coverage
Frequently Asked Questions about Federal and Postal Retirement
Retire Well – FEHB
Federal Employees Health Benefits (FEHB)
We will talk more about FEHB in future posts as it is a very important feature in preparing to live well in retirement. Emphasis here is placed on eligibility to transport your FEHB into retirement.
Because you are a federal employee does not automatically qualify you to transport your FEHB into retirement. Make sure to check the qualifications and determine if you are eligible. You must meet the five year coverage provision in order to realize the benefit of your FEHB in retirement.
It always pays to never accept any provision without asking questions. Doing a bit of research and seeking additional information or the help of an expert is always a good idea. If a federal employee becomes ill before achieving the 5 year qualification to transport FEHB into retirement is he or she a most unfortunate employee?
Perhaps, not. Under exceptional circumstances the Office of Personnel Management (OPM) has the leverage through an Act of Congress to waive the 5-year requirement. It always pays to ask questions and seek additional information. Great resources for further information are the links included in this article.
P. S. Always Remember to Share What You Know.
Tips to Getting Your House in Order to Retire Well – Sick Leave
~~ Sick Leave
Capitalizing on every resource available should be a constant theme for those anticipating leaving the workforce to start a new beginning – Using the value of your accumulated Sick Leave as a Retirement Planning tool is no different. We invest a huge amount of time and energy in our jobs. By the same token we must prioritize preparing to live well in retirement. How do we do that?
By taking advantage of information and knowledge that will support and enhance our lives as we move into retirement. Today Americans are living longer, some past the age of one hundred. As such, we will need far more money than our parents to ensure our resources outlast us. We cannot afford to overlook or minimize any opportunity that will potentially brighten our retirement outcome.
As of 2014, for employees under the Federal Employees Retirement System (FERS) like their counterparts under the Civil Service Retirement System (CSRS), 100 percent of their unused sick leave to lengthen years of service towards retirement.
While employees cannot be paid for sick leave, its value is immeasurable because the more years of service you have under your belt, the greater your annuity. Sick Leave is no longer just available to cover illness, but Sick Leave can also serve as an important tool in evaluating and managing one’s financial picture in retirement.
For example, when calculating years of creditable service it might be that your hours fall short of a full month. By adding your accrued unused hours of sick leave to the formula, length of service is increased, thereby increasing your annuity. So don’t put sick leave on the back burner, because it can make your annuity check look very healthy.
P. S. Always Remember to Share What You Know.
For more information on Sick Leave;
LINKS
To calculate the value of your Sick Leave
www.psretirement.com
Tips to Getting Your House in Order to Retire Well – Annual Leave
— Annual Leave
There are so many things potential retirees must consider when looking forward to the next adventure in life – retiring well. Although many people will not consider their accrued Annual Leave a prime subject when discussing retirement, your Annual leave needs to be considered both for you peace of mind and the ability to recharge your batteries away from work, but also for the potential retirement benefits for leave that is not used. Obviously, you should be taking advantage of your TSP account and making sure that you are prepared to maximimize any CSRS and FERS benefits you might be eligible for. But you also need to recognize that you have worked for a long time, most of us since high school. Once we entered the work world there was no turning back because we had to make a living. Having a job and taking on the responsibilities of life afforded us membership into the world of bona fide ADULTS.
There might have been times during your work career where accumulating annual leave meant taking a vacation or using your leave at your leisure. But when we start planning the next phase of our lives – retiring well – part of the process is making sure you are maximizing every benefit available to you. That includes viewing Annual Leave as money that will help sustain you as you transition from the work world into retirement.
You may wish to refresh your knowledge about Interim Payments and how it can be used to bridge the gap from retirement to full Annuity payments, because your lump sum annual leave payment is another piece of the puzzle we need to collect in order to make it complete. Preserving your annual leave when you are contemplating retirement is a way of building a cushion to cover your financial responsibilities until you receive your full annuity payment. The Lump Sum Payment you receive as a result of your annual leave accrual will create comfort and security; thus the importance for preserving as much annual leave as possible as you prepare to move into retirement.
The maximum annual leave carryover for most employees is 30 days or 240 hours. It is a good course to visit your human resources office or with a knowledgeable financial professional and discuss the importance of understanding the beginning and ending of the leave year versus the calendar year. Retiring before the end of the leave year impacts your annual leave accrual. Find out what you need to know in order to maximize every benefit that is available to you.
P. S. Always Remember to Share What You Know.
LINKS
For more information on your Interim Payments and retirement income sources
Your TSP (Thrift Savings Plan) structure and investment options
How can your accued Annual Leave be used as a retirement tool
Tips to Getting Your House in Order to Retire Well – Interim Payments
Interim Payments
The term Interim Payments is a term Federal and Postal employees should become thoroughly familiar with. Although the Office of Personnel Management (OPM) works diligently to get annuity checks to retirees in a timely manner, good planning dictates that we should be prepared for the unexpected or the glitches that often occur during the normal course of conducting business
Interim Payments represent approximately 75 to 80 percent of what you will receive in your full annuity check. Don’t despair, all deficits will be recovered when you begin to receive your full annuity check.
It is important when you are submitting your Retirement Application papers for both CSRS and FERS retirement and for all Federal and Postal Benefits and that you are certain to check and recheck your retirement application to make sure you have crossed all your T’s and dotted all of your I’s. Overlooking pertinent information will cause a delay in the processing of your application. I always recommend that potential retirees do a –dry run- or test drive of the application package to become familiar with its contents and requirements before submitting the actual package. You may even want to solicit the help of a financial professional to ensure that you have the ability to maximize your Federal and Postal retirement benefits. Potential retirees need to know what their responsibilities are towards enhancing a seamless process to retirement. Retirement packages are on-line and information about your TSP can be found at PSRetirement’s TSP portal which will give you valuable information as you begin getting our house in order to retire well.
P. S. Always Remember to Share What You Know.
For more information visit and to access your retirement accounts visit;
LINKS
For information on how to log into your TSP.gov account
More information on Interim Payments
Complete CSRS information for Federal and Postal Employees
Explanation of Federal Employee Retirement System Benefits (FERS)
Emotional and Psychological Readiness
~~Item #2 – Emotional and Psychological Readiness
Psychological Readiness is an underrated part of adjusting to retirement. There is no denying the importance of those concrete items such as maximizing the benefits of the Thrift Savings Plan (TSP) and understanding how all of your Federal Benefits work in retirement. But in order to chart a workable course for retiring well one must be emotionally and psychologically ready to embrace change, accept new beginnings, expand horizons and brace for the sometimes unexpected.
There are things we need to know and do so that we chart a feasible course to retiring well. Whether you’re eligible for CSRS or eligible for FERS often concrete items that we can touch, sort of put our hands on prioritize the list of things we need to know and do in order to retire well.
Below is a list of things we can do to get ready psychologically and emotionally to retire well and ensure the resources we need to live the life we deserve outlast us.
• Define who you are, absent of your job’s title and work environment
• Outline your gifts and skills and how you can use them to improve the world around you
• Think about what you’ve always wanted to do but were restricted due to the time constraints of your job
• Do a 15 minute self-evaluation of where you are, where you’ve been and where you’d like to be 3-5 years post-retirement
• Write down 5 of the most intriguing places in the world where you’d like to live, one just might be in your own back yard
• Think about what you are going to do on the first morning of your retirement
We spend more waking hours on our jobs and with our work families than we do in our homes with our own families. Psychological readiness ensures you’ll be ready to tackle all the issues a new retiree faces. Retiring well means getting ready to face new challenges and opportunities, meeting new people, going to new places and understanding a new and better you. These are critical tools needed to get you emotionally and psychologically ready to live a life on your own agenda. Getting ready now means success when you enter your next adventure – retiring well!
P.S. Always remember to share what you know.
LINKS
For complete information on FERS benefits
