Personalized Benefits Analysis

Personalized Benefits Analysis

Fed Retirement Edu will create an exclusive Personalized Benefits Analysis for no cost to the Federal Employee.

In our experience the 5 years just prior to retirement and the 5 years immediately following retirement are the most critical period in the employees’ life. Decisions made during this period affect your life and the lives of your loved ones forever. The potential benefits of having a Personalized Benefits Analysis created are dramatic.

Having a clear understanding of your current income versus retirement income is just the beginning. The choice of leaving a survivor benefit and how much is often determined with more confidence after the employee has a clear understanding of how the plans work and don’t work.  If the employee has a “gap” in their retirement income between their current pay and retirement annuity than the Thrift Savings Plan will often be used to fill this gap. 

So choosing the best investment inside the TSP and the method of distribution can often make or break the annuitants retirement income. If the retired employee is eligible for Social Security and/or their spouse, then understanding the best time to take the SS benefit and the coordination of the spouses SS benefit can add thousands of dollars over the retirement years. Most federal employees are enrolled in the Federal Employees’ Group Life Insurance plan at retirement. Knowing the cost of FEGLI insurance during retirement years is also a critical component in the pre-retirement decisions. Finally the continuation of Federal Employee Health Benefits and coordination with Medicare after 65 is also a major decision point. So knowing the cost of FEHB and Medicare, at the time of retirement, will be very helpful.

The Personalized Benefits Analysis is created exclusively for each employee and will take into consideration all these individual components. The employee will have a much clearer picture   of their own benefits at the time of retirement and projected out for all future years. Decisions regarding Survivor Benefits, Thrift Savings Plan, Social Security, and Medicare can be made with more confidence knowing how it will affect the employees retirement for all the remaining years of retirement.

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