The federal benefits package explained for people still working. FEHB, FEGLI, TSP, FERS, leave, and buyback — how they work, how to use them, and what the fine print actually says.
Twelve guides covering everything a working federal employee should understand about their benefits package.
How to actually compare the 200+ FEHB plans during Open Season — premium vs deductible vs network, with the math that matters.
When the deposit pays off, when it doesn't, and how to calculate your breakeven before you file SF-3108.
How much to contribute, when to use Roth vs Traditional, and why the 5% match is the most valuable raise you'll never get.
The life insurance math most federal employees never run. When FEGLI beats private term, and when it quietly doesn't.
How your pension actually builds — the 1% vs 1.1% rule, creditable service, and why 20 years matters more than 19.
Annual vs sick vs FMLA, use-or-lose planning, and how to bank sick leave toward your retirement credit.
How FEDVIP stacks against private dental/vision, when it's worth enrolling, and the tier traps most employees miss.
Flexible spending accounts for healthcare and dependent care — contribution limits, use-it-or-lose-it math, and HSA pairing.
The FLTCIP program, its 2022 enrollment freeze, and what federal employees should do while waiting for it to reopen.
A week-by-week checklist for the annual Federal Benefits Open Season so you never miss a deadline or make an impulse switch.
What happens to your TSP, FEHB, and FERS if you die in service — and the decisions you should make before you need them.
The basics of Federal Disability Retirement (FDR) for active employees — eligibility, timing, and when to escalate to Warrior Disability.