Federal employees enjoy some of the most robust retirement benefits available, but many don’t fully optimize them. With new legislation like the proposed increase in line-of-duty death benefits, now is the perfect time to reassess your federal retirement plan.
Key Components of Federal Retirement Benefits
- FERS Pension – A foundational benefit, but often not enough on its own.
- Thrift Savings Plan (TSP) – The federal 401(k) equivalent; maximizing contributions is key.
- Social Security – FERS employees are eligible, but strategies differ from private-sector workers.
- Federal Employees’ Group Life Insurance (FEGLI) – Should be reviewed for adequate coverage.
Why Many Federal Employees Fall Short
- Underfunding TSP – Many contribute only the minimum, missing out on growth.
- Ignoring Survivor Benefits – Proper beneficiary designations are critical.
- Overlooking Insurance Gaps – FEGLI may not be enough; supplemental policies can help.
How Internal Benefit Advisors Can Optimize Your Plan
Our team helps federal employees:
✔ Maximize TSP growth with strategic contribution and investment planning.
✔ Coordinate FERS, Social Security, and TSP for tax-efficient retirement income.
✔ Ensure survivor benefits are structured correctly for family protection.
Review: “Working with Internal Benefit Advisors transformed my retirement strategy. They helped me optimize my TSP and FERS benefits, giving me confidence in my financial future.” – Federal Employee, 5-Star Review
Take Action: Whether you’re early in your career or nearing retirement, a federal benefits review ensures you’re on track.
Learn more: FedWeek: Bill to Increase Line-of-Duty Death Benefits Reintroduced | Internal Benefit Advisors – Federal Retirement Planning Experts
Final Thoughts
Federal benefits are complex, but with the right guidance, employees can secure their financial future. From retirement planning to survivor benefits, proactive management is essential.
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