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  14. <description>Federal benefits, made simple</description>
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  31. <title>Humana Dental for Federal Employees: How Much Will It Really Save You?</title>
  32. <link>https://gofebra.com/humana-dental-for-federal-employees-how-much-will-it-really-save-you/</link>
  33. <comments>https://gofebra.com/humana-dental-for-federal-employees-how-much-will-it-really-save-you/#respond</comments>
  35. <dc:creator><![CDATA[admin]]></dc:creator>
  36. <pubDate>Thu, 24 Jul 2025 15:19:14 +0000</pubDate>
  37. <category><![CDATA[News]]></category>
  38. <guid isPermaLink="false">https://gofebra.com/?p=4210</guid>
  39.  
  40. <description><![CDATA[What is Humana Dental for federal employees and how does it work? Humana Dental for federal employees is a dental insurance plan offered through the Federal Employees Dental and Vision Insurance Program (FEDVIP). It provides access to preventive care, routine dental procedures, and major dental services with the convenience of a large national provider network. [&#8230;]]]></description>
  41. <content:encoded><![CDATA[<h2 data-start="74" data-end="142">What is Humana Dental for federal employees and how does it work?</h2>
  42. <p data-start="144" data-end="854">Humana Dental for federal employees is a dental insurance plan offered through the Federal Employees Dental and Vision Insurance Program (FEDVIP). It provides access to preventive care, routine dental procedures, and major dental services with the convenience of a large national provider network. The plan is specifically tailored to meet the needs of current and retired federal employees, offering flexibility and competitive pricing based on location, family size, and coverage level. Enrolling in Humana Dental is voluntary and premiums are paid with after-tax dollars, but the savings on dental services can be substantial over time, especially for families or individuals with ongoing dental care needs.</p>
  43. <h2 data-start="856" data-end="922">How much does Humana Dental cost for federal employees in 2025?</h2>
  44. <p data-start="924" data-end="1211">The cost of Humana Dental for federal employees depends on several factors, including the region you live in and whether you choose self-only, self-plus-one, or family coverage. In 2025, monthly premiums typically range from $11–$50 depending on your plan tier and location. For example:</p>
  45. <div class="_tableContainer_80l1q_1">
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  48. <thead data-start="1213" data-end="1258">
  49. <tr data-start="1213" data-end="1258">
  50. <th data-start="1213" data-end="1231" data-col-size="sm">Coverage Type</th>
  51. <th data-start="1231" data-end="1258" data-col-size="sm">Monthly Premium (Range)</th>
  52. </tr>
  53. </thead>
  54. <tbody data-start="1305" data-end="1442">
  55. <tr data-start="1305" data-end="1350">
  56. <td data-start="1305" data-end="1323" data-col-size="sm">Self Only</td>
  57. <td data-col-size="sm" data-start="1323" data-end="1350">$11 – $16</td>
  58. </tr>
  59. <tr data-start="1351" data-end="1396">
  60. <td data-start="1351" data-end="1369" data-col-size="sm">Self + One</td>
  61. <td data-col-size="sm" data-start="1369" data-end="1396">$22 – $33</td>
  62. </tr>
  63. <tr data-start="1397" data-end="1442">
  64. <td data-start="1397" data-end="1415" data-col-size="sm">Family</td>
  65. <td data-col-size="sm" data-start="1415" data-end="1442">$30 – $50</td>
  66. </tr>
  67. </tbody>
  68. </table>
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  70. <div class="absolute end-0 flex items-end"></div>
  71. </div>
  72. </div>
  73. </div>
  74. <p data-start="1444" data-end="1838">Premiums are consistent year-round and do not change based on usage, making it easier to budget. It’s important to compare plan options during Open Season and consider your specific dental needs before selecting coverage. Many federal employees also weigh these costs alongside retirement planning and other benefits, such as the <a class="" href="https://gofebra.com/thrift-savings-plan/" target="_new" rel="noopener" data-start="1774" data-end="1837">Thrift Savings Plan</a>.</p>
  75. <h2 data-start="1840" data-end="1911">What services are covered under Humana Dental for federal employees?</h2>
  76. <p data-start="1913" data-end="2057">Humana Dental for federal employees covers a wide range of services including preventive, basic, and major dental care. Coverage often includes:</p>
  77. <ul data-start="2059" data-end="2375">
  78. <li data-start="2059" data-end="2144">
  79. <p data-start="2061" data-end="2144"><strong data-start="2061" data-end="2084">Preventive services</strong>: cleanings, exams, and X-rays (often at no additional cost)</p>
  80. </li>
  81. <li data-start="2145" data-end="2222">
  82. <p data-start="2147" data-end="2222"><strong data-start="2147" data-end="2165">Basic services</strong>: fillings, extractions, and minor periodontal procedures</p>
  83. </li>
  84. <li data-start="2223" data-end="2298">
  85. <p data-start="2225" data-end="2298"><strong data-start="2225" data-end="2243">Major services</strong>: crowns, bridges, dentures, and complex oral surgeries</p>
  86. </li>
  87. <li data-start="2299" data-end="2375">
  88. <p data-start="2301" data-end="2375"><strong data-start="2301" data-end="2317">Orthodontics</strong>: available in some plan options (especially for families)</p>
  89. </li>
  90. </ul>
  91. <p data-start="2377" data-end="2771">While some services are fully covered, others may require coinsurance or copayments. Many of the preventive services are 100% covered when performed by an in-network provider, which can lead to hundreds of dollars in savings annually for individuals who prioritize routine care. You can find the full benefits breakdown through FEDVIP or a benefits advisor like <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="2739" data-end="2770">GoFebra</a>.</p>
  92. <h2 data-start="2773" data-end="2840">How much can federal employees save annually with Humana Dental?</h2>
  93. <p data-start="2842" data-end="3140">The potential savings with Humana Dental for federal employees varies based on usage. Someone who only uses preventive care might save $200–$400 per year through waived costs for cleanings and exams. Those needing more extensive care—such as crowns, root canals, or orthodontics—can save thousands.</p>
  94. <p data-start="3142" data-end="3188">Here’s an example of estimated annual savings:</p>
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  99. <tr data-start="3190" data-end="3294">
  100. <th data-start="3190" data-end="3214" data-col-size="sm">Procedure Type</th>
  101. <th data-start="3214" data-end="3247" data-col-size="sm">Average Cost Without Insurance</th>
  102. <th data-start="3247" data-end="3283" data-col-size="sm">Estimated Cost with Humana Dental</th>
  103. <th data-start="3283" data-end="3294" data-col-size="sm">Savings</th>
  104. </tr>
  105. </thead>
  106. <tbody data-start="3399" data-end="3710">
  107. <tr data-start="3399" data-end="3502">
  108. <td data-start="3399" data-end="3423" data-col-size="sm">2 Cleanings + X-rays</td>
  109. <td data-col-size="sm" data-start="3423" data-end="3455">$350</td>
  110. <td data-col-size="sm" data-start="3455" data-end="3491">$0 (in-network)</td>
  111. <td data-col-size="sm" data-start="3491" data-end="3502">$350</td>
  112. </tr>
  113. <tr data-start="3503" data-end="3606">
  114. <td data-start="3503" data-end="3527" data-col-size="sm">1 Crown</td>
  115. <td data-col-size="sm" data-start="3527" data-end="3559">$1,200</td>
  116. <td data-col-size="sm" data-start="3559" data-end="3595">$400–$600</td>
  117. <td data-col-size="sm" data-start="3595" data-end="3606">$600–800</td>
  118. </tr>
  119. <tr data-start="3607" data-end="3710">
  120. <td data-start="3607" data-end="3631" data-col-size="sm">Orthodontics (child)</td>
  121. <td data-col-size="sm" data-start="3631" data-end="3663">$5,000</td>
  122. <td data-col-size="sm" data-start="3663" data-end="3699">$2,500–$3,000</td>
  123. <td data-col-size="sm" data-start="3699" data-end="3710">$2,000+</td>
  124. </tr>
  125. </tbody>
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  128. <div class="absolute end-0 flex items-end"></div>
  129. </div>
  130. </div>
  131. </div>
  132. <p data-start="3712" data-end="3855">If you or your family anticipate dental procedures in the coming year, Humana Dental can offer substantial savings versus paying out-of-pocket.</p>
  133. <h2 data-start="3857" data-end="3912"><img fetchpriority="high" decoding="async" class="size-full wp-image-4212 aligncenter" src="https://gofebra.com/wp-content/uploads/2025/07/Humana-Dental-for-federal-employees-2.jpg" alt="Humana Dental for federal employees" width="1280" height="853" srcset="https://gofebra.com/wp-content/uploads/2025/07/Humana-Dental-for-federal-employees-2.jpg 1280w, https://gofebra.com/wp-content/uploads/2025/07/Humana-Dental-for-federal-employees-2-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/07/Humana-Dental-for-federal-employees-2-1024x682.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/07/Humana-Dental-for-federal-employees-2-768x512.jpg 768w, https://gofebra.com/wp-content/uploads/2025/07/Humana-Dental-for-federal-employees-2-600x400.jpg 600w" sizes="(max-width: 1280px) 100vw, 1280px" /><br />
  134. Is Humana Dental a good option for federal retirees?</h2>
  135. <p data-start="3914" data-end="4518">Yes, Humana Dental is often a strong option for federal retirees because it is <strong data-start="3993" data-end="4005">portable</strong>—you can carry it into retirement without interruption, as long as you continue to pay premiums. Dental care is not covered under Medicare, so maintaining a standalone dental policy becomes essential. Humana Dental offers reliable coverage without the need to find a new provider or insurer after leaving government service. For those under <a class="" href="https://gofebra.com/fers-retirement/" target="_new" rel="noopener" data-start="4346" data-end="4401">FERS retirement</a> or CSRS, this benefit can be critical for managing health care costs in retirement without sacrificing quality care.</p>
  136. <h2 data-start="4520" data-end="4576">Does Humana Dental cover dependents and orthodontics?</h2>
  137. <p data-start="4578" data-end="5272">Yes, Humana Dental for federal employees offers plans that include coverage for dependents, including spouses and children. Plans that include orthodontic coverage are especially beneficial for families with children who may require braces or other alignment treatments. While not all Humana plans include orthodontics, those that do typically offer 50% coverage up to a lifetime maximum (often $1,500–$3,000). It&#8217;s essential to review plan options carefully to ensure the right benefits are included for your family&#8217;s needs. You can coordinate these selections during Open Season or with help from a licensed advisor through <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="5204" data-end="5271">GoFebra</a>.</p>
  138. <h2 data-start="5274" data-end="5329">How does the Humana Dental provider network compare?</h2>
  139. <p data-start="5331" data-end="5914">Humana has one of the largest dental networks in the United States, offering wide access to general dentists, specialists, and orthodontists. For federal employees—especially those who relocate or travel frequently—having access to a national provider network is a major advantage. In-network providers offer the most savings, and with Humana’s network size, it’s easier to find a nearby provider who accepts your plan. Using out-of-network providers is possible but may involve higher costs and reduced coverage. Always verify your dentist is in-network to avoid unexpected charges.</p>
  140. <h2 data-start="5916" data-end="5973">What happens if you delay enrollment in Humana Dental?</h2>
  141. <p data-start="5975" data-end="6610">Enrollment in Humana Dental for federal employees is typically only available during the annual Open Season or after a qualifying life event (QLE), such as marriage, birth of a child, or loss of other coverage. Delaying enrollment can leave you or your dependents without dental coverage for an entire year, potentially resulting in hundreds or thousands in out-of-pocket expenses. If you&#8217;re approaching retirement, the risks of delay are even greater since dental care becomes more essential—and more expensive—as you age. Learn more about timing and eligibility through <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="6547" data-end="6609">GoFebra Retirement Services</a>.</p>
  142. <h2 data-start="6612" data-end="6673">Can Humana Dental be combined with other federal benefits?</h2>
  143. <p data-start="6675" data-end="7305">Yes, Humana Dental works in conjunction with your other federal benefits, including health insurance, vision plans, and retirement income. It complements—but does not replace—your FEHB coverage, which typically does not include dental. In retirement, it becomes even more valuable when paired with Medicare and supplemental health policies. While the Humana Dental plan is separate from your health coverage, planning all benefits together ensures maximum value. For a full picture of how your dental, health, and life benefits align, federal employees often turn to trusted advisors like <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="7264" data-end="7304">GoFebra</a>.</p>
  144. <h2 data-start="7307" data-end="7371">How do you know if Humana Dental is the right choice for you?</h2>
  145. <p data-start="7373" data-end="7977">Deciding if Humana Dental for federal employees is the best fit depends on your personal and family dental needs, your location, and your budget. If you value preventive care, anticipate dental procedures, or want access to a wide provider network, Humana offers strong value and convenience. However, it’s important to compare all FEDVIP options during Open Season. Reviewing benefits, coverage exclusions, and cost-sharing terms will help you make an informed decision. If you’re unsure, consult with a federal benefits expert or use comparison tools during Open Season to weigh your options carefully.</p>
  146. ]]></content:encoded>
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  152. </item>
  153. <item>
  154. <title>What Is the Postal Supplement and How Much Will You Get?</title>
  155. <link>https://gofebra.com/what-is-the-postal-supplement-and-how-much-will-you-get/</link>
  156. <comments>https://gofebra.com/what-is-the-postal-supplement-and-how-much-will-you-get/#respond</comments>
  158. <dc:creator><![CDATA[admin]]></dc:creator>
  159. <pubDate>Wed, 23 Jul 2025 15:09:23 +0000</pubDate>
  160. <category><![CDATA[News]]></category>
  161. <guid isPermaLink="false">https://gofebra.com/?p=4206</guid>
  162.  
  163. <description><![CDATA[What is the postal supplement and why does it exist? The postal supplement is a temporary benefit paid to eligible U.S. Postal Service employees who retire under the Federal Employees Retirement System (FERS) before age 62. Since Social Security benefits don’t begin until 62, this supplement was created to “bridge the gap” for those retiring [&#8230;]]]></description>
  164. <content:encoded><![CDATA[<h2 data-start="60" data-end="115">What is the postal supplement and why does it exist?</h2>
  165. <p data-start="117" data-end="813">The postal supplement is a temporary benefit paid to eligible U.S. Postal Service employees who retire under the Federal Employees Retirement System (FERS) before age 62. Since Social Security benefits don’t begin until 62, this supplement was created to “bridge the gap” for those retiring earlier. It mimics what you would receive from Social Security at age 62, based only on your federal service under FERS. This benefit is especially important for career postal workers who plan to retire in their late 50s and rely on multiple income streams to support their early retirement years. The postal supplement ensures that the sudden drop in income doesn’t derail your long-term financial plans.</p>
  166. <h2 data-start="815" data-end="858">Who qualifies for the postal supplement?</h2>
  167. <p data-start="860" data-end="1547">To receive the postal supplement, you must retire under an immediate, unreduced FERS retirement before reaching age 62. This generally means you’ve met one of the following combinations of age and service: age 60 with 20 years, or your Minimum Retirement Age (MRA) with 30 years of service. Importantly, early outs (VERA) and MRA+10 retirements typically <strong data-start="1215" data-end="1225">do not</strong> qualify unless they are considered immediate and unreduced. You also must be a FERS-covered postal employee, not a CSRS employee. If you&#8217;re unsure about your eligibility or how it ties into your retirement scenario, consult with a federal retirement specialist or explore the resources at <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="1515" data-end="1546">GoFebra</a>.</p>
  168. <h2 data-start="1549" data-end="1592">How is the postal supplement calculated?</h2>
  169. <p data-start="1594" data-end="1789">The postal supplement is calculated using a modified formula based on your estimated Social Security benefit at age 62—<strong data-start="1713" data-end="1764">but only for your years of FERS-covered service</strong>. The general formula is:</p>
  170. <div class="contain-inline-size rounded-2xl relative bg-token-sidebar-surface-primary">
  171. <div class="overflow-y-auto p-4" dir="ltr"><code class="whitespace-pre!">Estimated Social Security benefit at age <span class="hljs-number">62</span> × (FERS years / <span class="hljs-number">40</span>)<br />
  172. </code></div>
  173. </div>
  174. <p data-start="1864" data-end="1995">So if your projected Social Security benefit at 62 is $1,600/month and you’ve worked 30 years under FERS, your supplement would be:</p>
  175. <div class="contain-inline-size rounded-2xl relative bg-token-sidebar-surface-primary">
  176. <div class="overflow-y-auto p-4" dir="ltr"><code class="whitespace-pre!"><span class="hljs-variable">$1</span>,600 × (30 ÷ 40) = <span class="hljs-variable">$1</span>,200/month<br />
  177. </code></div>
  178. </div>
  179. <p data-start="2040" data-end="2262">This amount is <strong data-start="2055" data-end="2062">not</strong> adjusted for cost-of-living increases and remains fixed until it ends at age 62. Keep in mind, this is only an estimate, and final numbers may vary based on your earnings history and retirement date.</p>
  180. <h2 data-start="2264" data-end="2313"><img decoding="async" class="size-full wp-image-4207 aligncenter" src="https://gofebra.com/wp-content/uploads/2025/07/postal-supplement-1.jpg" alt="postal supplement " width="1280" height="853" srcset="https://gofebra.com/wp-content/uploads/2025/07/postal-supplement-1.jpg 1280w, https://gofebra.com/wp-content/uploads/2025/07/postal-supplement-1-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/07/postal-supplement-1-1024x682.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/07/postal-supplement-1-768x512.jpg 768w, https://gofebra.com/wp-content/uploads/2025/07/postal-supplement-1-600x400.jpg 600w" sizes="(max-width: 1280px) 100vw, 1280px" /></h2>
  181. <h2 data-start="2264" data-end="2313">When does the postal supplement begin and end?</h2>
  182. <p data-start="2315" data-end="2938">The postal supplement begins the month after your official retirement date if you&#8217;re eligible for an immediate, unreduced FERS retirement. There is no application process; it is automatically included in your annuity by the Office of Personnel Management (OPM). The benefit ends the month you turn 62, regardless of whether or not you begin collecting Social Security at that age. That’s why many retirees consider this benefit a short-term bridge rather than a long-term income solution. It’s also important to note that any delays in OPM processing could temporarily affect when you receive your first supplement payment.</p>
  183. <h2 data-start="2940" data-end="2994">Can the postal supplement be reduced or taken away?</h2>
  184. <p data-start="2996" data-end="3682">Yes, the postal supplement can be reduced—or even eliminated—if you earn above a certain threshold from wages or self-employment income. This reduction is tied to the same earnings test used by Social Security. In 2025, the earnings limit is expected to remain close to $22,320 annually (based on 2024 figures, subject to change). For every $2 you earn above the limit, $1 is deducted from your supplement. This means if you plan to work after retirement, you should budget carefully to avoid accidentally disqualifying yourself from this benefit. This rule does <strong data-start="3559" data-end="3566">not</strong> apply to income from the <a class="" href="https://gofebra.com/thrift-savings-plan/" target="_new" rel="noopener" data-start="3592" data-end="3655">Thrift Savings Plan</a>, pensions, or investments.</p>
  185. <h2 data-start="3684" data-end="3758">How does the postal supplement interact with other retirement benefits?</h2>
  186. <p data-start="3760" data-end="4477">The postal supplement is one part of a three-tiered system for FERS employees, which includes your basic FERS annuity, the supplement itself, and Social Security benefits beginning at 62. For most postal retirees, the supplement provides crucial income during the early years of retirement before Social Security kicks in. It does not reduce your FERS annuity or your future Social Security payments. However, it also does not receive any COLAs (cost-of-living adjustments), so its value will erode slightly in real terms. Smart financial planning—including use of <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="4325" data-end="4420">insurance and supplemental benefits</a>—is essential to cover inflation and unexpected expenses.</p>
  187. <h2 data-start="4479" data-end="4527">Do CSRS retirees receive a postal supplement?</h2>
  188. <p data-start="4529" data-end="5176">No. The postal supplement is strictly a FERS-only benefit. Retirees under the <a class="" href="https://gofebra.com/csrs-information/" target="_new" rel="noopener" data-start="4607" data-end="4659">CSRS system</a> do not qualify for the supplement because they are not eligible for Social Security benefits based on their federal employment. CSRS employees instead rely on their annuity, personal savings, and any Social Security credits earned from non-federal work. While CSRS retirees may receive generous annuities, they miss out on certain benefits available to FERS employees, including the supplement. If you’re under CSRS Offset, however, different rules apply—especially regarding how Social Security is integrated later.</p>
  189. <h2 data-start="5178" data-end="5212">Is the postal supplement taxed?</h2>
  190. <p data-start="5214" data-end="5895">Yes, the postal supplement is considered taxable income under federal law, just like your FERS annuity. It will be included on your 1099-R tax form each year. However, it is not subject to the FICA tax (Social Security and Medicare), since you’re no longer working. State taxes vary depending on where you live—some states tax federal retirement income, while others do not. You should account for this when calculating your net income during early retirement and possibly consult a tax advisor. Having a plan that considers both income and taxes—like the ones offered through <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="5791" data-end="5853">GoFebra Retirement Services</a>—can help maximize your retirement income.</p>
  191. <h2 data-start="5897" data-end="5944">How can you estimate your postal supplement?</h2>
  192. <p data-start="5946" data-end="6151">Estimating your postal supplement starts with getting your estimated Social Security benefit at age 62, which you can find by creating an account at <a class="" href="https://www.ssa.gov/" target="_new" rel="noopener nofollow" data-start="6095" data-end="6126">SSA.gov</a>. Then apply the formula:</p>
  193. <div class="contain-inline-size rounded-2xl relative bg-token-sidebar-surface-primary">
  194. <div class="overflow-y-auto p-4" dir="ltr"><code class="whitespace-pre!">Social Security estimate × (FERS service years ÷ <span class="hljs-number">40</span>)<br />
  195. </code></div>
  196. </div>
  197. <p data-start="6215" data-end="6689">It’s important to include only <strong data-start="6246" data-end="6276">FERS-covered service years</strong>—not temporary time, military time (unless bought back), or CSRS service. Some postal employees use online calculators or consult with benefits specialists to get more accurate estimates, especially when their service includes a mix of part-time, military, or offset service. You can also request a personalized estimate through a federal benefits counselor like those at <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="6648" data-end="6688">GoFebra</a>.</p>
  198. <h2 data-start="6691" data-end="6762">What should you consider when planning around the postal supplement?</h2>
  199. <p data-start="6764" data-end="7414">Because the postal supplement ends at 62 and doesn’t receive COLAs, it’s essential to have a long-term financial strategy. Will your Social Security and FERS annuity be enough to replace it? Do you need to delay Social Security or increase your TSP withdrawals at that time? Think about timing your retirement to maximize the benefit while ensuring you have other sources of income in place for when it ends. Your full retirement picture should include your annuity, TSP, supplement, and any private income streams. Tools, calculators, and advisors from <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="7318" data-end="7349">GoFebra</a> can help create a retirement plan that’s realistic and reliable.</p>
  200. ]]></content:encoded>
  202. <wfw:commentRss>https://gofebra.com/what-is-the-postal-supplement-and-how-much-will-you-get/feed/</wfw:commentRss>
  203. <slash:comments>0</slash:comments>
  206. </item>
  207. <item>
  208. <title>CSRS Social Security Rules in 2025: What’s Changing and What’s Not</title>
  209. <link>https://gofebra.com/csrs-social-security-rules-in-2025-whats-changing-and-whats-not/</link>
  210. <comments>https://gofebra.com/csrs-social-security-rules-in-2025-whats-changing-and-whats-not/#respond</comments>
  212. <dc:creator><![CDATA[admin]]></dc:creator>
  213. <pubDate>Tue, 22 Jul 2025 15:01:56 +0000</pubDate>
  214. <category><![CDATA[News]]></category>
  215. <guid isPermaLink="false">https://gofebra.com/?p=4202</guid>
  216.  
  217. <description><![CDATA[What is the relationship between CSRS and Social Security? The CSRS Social Security relationship is unique and often confusing. Federal employees under the Civil Service Retirement System (CSRS) generally do not pay into Social Security during their federal careers, which means they do not earn Social Security credits through their government employment. As a result, [&#8230;]]]></description>
  218. <content:encoded><![CDATA[<h2 data-start="70" data-end="131">What is the relationship between CSRS and Social Security?</h2>
  219. <p data-start="133" data-end="837">The CSRS Social Security relationship is unique and often confusing. Federal employees under the Civil Service Retirement System (CSRS) generally do not pay into Social Security during their federal careers, which means they do not earn Social Security credits through their government employment. As a result, they are not eligible for Social Security benefits based on their CSRS service. However, many CSRS retirees qualify for some Social Security benefits through other employment or spousal benefits. These benefits, though, are subject to special rules—such as the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO)—which reduce the benefit amount for many CSRS retirees.</p>
  220. <h2 data-start="839" data-end="900">What’s staying the same with CSRS Social Security in 2025?</h2>
  221. <p data-start="902" data-end="1550">As of 2025, there are <strong data-start="924" data-end="949">no structural changes</strong> to how CSRS Social Security coordination works. The Windfall Elimination Provision (WEP) and Government Pension Offset (GPO) are still in full effect. CSRS retirees who qualify for Social Security through other jobs or a spouse’s record will still face reductions due to these rules. In short, retirees who were hoping that WEP or GPO would be repealed this year will need to keep waiting, as legislative efforts to change these provisions have not gained traction in Congress. For ongoing updates and benefit planning guidance, check in regularly with resources like <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="1518" data-end="1549">GoFebra</a>.</p>
  222. <h2 data-start="1552" data-end="1623">Are there any updates to the Windfall Elimination Provision in 2025?</h2>
  223. <p data-start="1625" data-end="2270">The Windfall Elimination Provision (WEP) remains unchanged in 2025. WEP reduces the Social Security benefits of CSRS retirees who worked in Social Security-covered employment for fewer than 30 years. The reduction is based on a modified formula that lowers the benefit calculation for individuals receiving a government pension from non-Social Security-covered employment, like CSRS. The maximum monthly WEP reduction in 2025 is indexed for inflation and has increased slightly due to cost-of-living adjustments (COLAs), but the core structure of the rule remains intact. WEP continues to affect tens of thousands of federal retirees every year.</p>
  224. <h2 data-start="2272" data-end="2322">Has the Government Pension Offset rule changed?</h2>
  225. <p data-start="2324" data-end="2960">The Government Pension Offset (GPO), which reduces spousal and survivor Social Security benefits for CSRS retirees, has not changed for 2025. Under current law, if you receive a CSRS pension and qualify for spousal Social Security benefits, your Social Security amount is reduced by two-thirds of your CSRS pension. This reduction can completely eliminate spousal benefits for many CSRS retirees. While advocacy groups continue to push for GPO reform or repeal, no major changes have been enacted this year. Planning ahead with tools like <a class="" href="https://gofebra.com/csrs-information/" target="_new" rel="noopener" data-start="2863" data-end="2927">GoFebra’s CSRS guidance</a> can help you minimize surprises.</p>
  226. <h2 data-start="2962" data-end="3017"><img decoding="async" class="size-full wp-image-4203 aligncenter" src="https://gofebra.com/wp-content/uploads/2025/07/csrs-social-security-1.jpg" alt="csrs social security" width="1280" height="853" srcset="https://gofebra.com/wp-content/uploads/2025/07/csrs-social-security-1.jpg 1280w, https://gofebra.com/wp-content/uploads/2025/07/csrs-social-security-1-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/07/csrs-social-security-1-1024x682.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/07/csrs-social-security-1-768x512.jpg 768w, https://gofebra.com/wp-content/uploads/2025/07/csrs-social-security-1-600x400.jpg 600w" sizes="(max-width: 1280px) 100vw, 1280px" /></h2>
  227. <h2 data-start="2962" data-end="3017">How does CSRS offset affect Social Security in 2025?</h2>
  228. <p data-start="3019" data-end="3685">CSRS Offset employees, who are in a hybrid system combining elements of both CSRS and Social Security, still receive Social Security benefits for the portion of their service covered under the Federal Employees Retirement System (FERS). In 2025, the CSRS Offset rule remains consistent: when you become eligible for Social Security at age 62, your CSRS annuity is reduced (or &#8220;offset&#8221;) by the amount of Social Security earned through that same period of employment. While this doesn’t reduce your total retirement income, it can create confusion about payment sources. Coordinating both CSRS and Social Security benefits remains a key part of comprehensive planning.</p>
  229. <h2 data-start="3687" data-end="3761">Can CSRS retirees still qualify for Social Security through other work?</h2>
  230. <p data-start="3763" data-end="4447">Yes. If a CSRS retiree worked in the private sector or in another job where Social Security taxes were withheld, they can qualify for Social Security benefits through that work. To be eligible, retirees need at least 40 credits, which usually equates to 10 years of Social Security-covered employment. However, if they also receive a CSRS pension, their Social Security benefit may be reduced by the WEP. This makes it crucial to understand both systems and their interactions. For those looking to bridge income gaps, pairing Social Security benefits with personal assets like the <a class="" href="https://gofebra.com/thrift-savings-plan/" target="_new" rel="noopener" data-start="4345" data-end="4408">Thrift Savings Plan</a> can create more financial flexibility.</p>
  231. <h2 data-start="4449" data-end="4540">What retirement planning strategies can help with reduced CSRS Social Security benefits?</h2>
  232. <p data-start="4542" data-end="5251">For CSRS retirees facing reductions in Social Security due to WEP or GPO, it’s essential to take a multi-pronged approach to retirement income. Relying solely on a pension and reduced Social Security benefit can create budgeting challenges. That’s why many federal retirees boost their financial stability with personal savings, TSP withdrawals, or <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="4891" data-end="4986">insurance and supplemental benefits</a> to cover out-of-pocket medical and long-term care expenses. Some also delay Social Security to reduce the WEP impact or work part-time post-retirement to increase future benefits. Every strategy should be tailored to your specific service history and income needs.</p>
  233. <h2 data-start="5253" data-end="5337">Are there any legislative proposals in 2025 to change CSRS Social Security rules?</h2>
  234. <p data-start="5339" data-end="5989">Yes, but none have passed yet. In 2025, several bills have been introduced in Congress proposing modifications or repeal of WEP and GPO. One of the most well-known efforts is the Social Security Fairness Act, which aims to fully eliminate both provisions. While this proposal has garnered bipartisan support in the past, it has not yet advanced to a vote this year. As a CSRS retiree, staying informed about legislative changes is important, even though no laws have changed at the time of writing. Federal retirement advisors and <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="5870" data-end="5926">GoFebra’s About Us page</a> are good places to find real-time updates and expert insights.</p>
  235. <h2 data-start="5991" data-end="6059">How does CSRS Social Security interact with Medicare eligibility?</h2>
  236. <p data-start="6061" data-end="6727">Although most CSRS retirees do not pay Social Security taxes during their federal employment, they are still eligible for Medicare if they’ve paid into the system for at least 10 years in other employment. In 2025, this rule remains unchanged. If you or your spouse have earned enough credits through Social Security-covered work, you can qualify for Medicare Part A (hospital insurance) at no cost and enroll in Part B (medical insurance) for a monthly premium. Medicare remains an essential component of federal retiree healthcare planning, especially when combined with <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="6634" data-end="6726">federal health insurance options</a>.</p>
  237. <h2 data-start="6729" data-end="6811">Where can CSRS retirees get help understanding their Social Security situation?</h2>
  238. <p data-start="6813" data-end="7399">Because the CSRS Social Security rules involve complex calculations and exceptions, it’s wise to seek professional guidance before making key decisions. Retirement counselors, federal benefit specialists, and trusted services like <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="7044" data-end="7106">GoFebra Retirement Services</a> can walk you through every aspect of your retirement income, including how much you can expect to receive and when. Understanding how your CSRS pension, Social Security credits, TSP savings, and healthcare coverage all fit together is essential for a smooth and financially secure retirement.</p>
  239. ]]></content:encoded>
  241. <wfw:commentRss>https://gofebra.com/csrs-social-security-rules-in-2025-whats-changing-and-whats-not/feed/</wfw:commentRss>
  242. <slash:comments>0</slash:comments>
  245. </item>
  246. <item>
  247. <title>Can You Cash Out Unused Annual Leave Before You Quit Your Federal Job?</title>
  248. <link>https://gofebra.com/can-you-cash-out-unused-annual-leave-before-you-quit-your-federal-job/</link>
  249. <comments>https://gofebra.com/can-you-cash-out-unused-annual-leave-before-you-quit-your-federal-job/#respond</comments>
  251. <dc:creator><![CDATA[admin]]></dc:creator>
  252. <pubDate>Mon, 21 Jul 2025 14:46:55 +0000</pubDate>
  253. <category><![CDATA[News]]></category>
  254. <guid isPermaLink="false">https://gofebra.com/?p=4198</guid>
  255.  
  256. <description><![CDATA[What is an unused annual leave payment and how does it work for federal employees? An unused annual leave payment refers to the lump-sum compensation federal employees receive for their accrued but unused annual leave when they separate from service. This payment is made after resignation, retirement, or termination and is based on the employee&#8217;s [&#8230;]]]></description>
  257. <content:encoded><![CDATA[<h2 data-start="74" data-end="159">What is an unused annual leave payment and how does it work for federal employees?</h2>
  258. <p data-start="161" data-end="797">An unused annual leave payment refers to the lump-sum compensation federal employees receive for their accrued but unused annual leave when they separate from service. This payment is made after resignation, retirement, or termination and is based on the employee&#8217;s hourly rate at the time of separation. For federal workers, this payout can represent a significant amount of money—sometimes equivalent to several weeks or even months of regular salary. It’s a financial cushion that helps bridge the gap between employment and retirement or other transitions, and understanding how it works is essential for anyone planning their exit.</p>
  259. <h2 data-start="799" data-end="876">Can you request an unused annual leave payment before you officially quit?</h2>
  260. <p data-start="878" data-end="1490">No, federal employees cannot cash out their unused annual leave while still employed. Under U.S. Office of Personnel Management (OPM) regulations, the unused annual leave payment is only issued upon separation from federal service. This includes retirement, resignation, or in some cases, reduction in force. Employees may use their annual leave while still employed, but they cannot receive a cash payout unless they are formally leaving their position. Any attempt to “cash out” without separating would violate federal employment policies. Planning the timing of your departure can help maximize this benefit.</p>
  261. <h2 data-start="1492" data-end="1545">How is the unused annual leave payment calculated?</h2>
  262. <p data-start="1547" data-end="2139">The unused annual leave payment is calculated by multiplying the number of hours of unused annual leave by your hourly rate at the time of separation. This rate includes any applicable locality pay and special salary adjustments. For example, if an employee has 240 hours of unused annual leave and earns $35 per hour, the payment would be approximately $8,400 (240 x $35). However, deductions for taxes and benefits will apply. If you&#8217;re nearing retirement and want to estimate your payout, tools available at <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="2058" data-end="2089">GoFebra</a> can help you make accurate financial projections.</p>
  263. <h2 data-start="2141" data-end="2185">Is the unused annual leave payment taxed?</h2>
  264. <p data-start="2187" data-end="2852">Yes, the unused annual leave payment is fully taxable and subject to federal income tax, Social Security, and Medicare taxes. It is treated as wages for tax purposes and reported on your W-2 form. Depending on the amount, the lump-sum payout can push you into a higher tax bracket temporarily. Some employees may choose to time their separation at the beginning of a new tax year to potentially reduce their taxable income for the current year. Understanding the tax implications is crucial when planning for a significant payout, especially when coordinating it with other sources of income like the <a class="" href="https://gofebra.com/thrift-savings-plan/" target="_new" rel="noopener" data-start="2788" data-end="2851">Thrift Savings Plan</a>.</p>
  265. <h2 data-start="2854" data-end="2925">Does your retirement system affect your unused annual leave payment?</h2>
  266. <p data-start="2927" data-end="3561">Whether you’re under the Civil Service Retirement System (CSRS) or the Federal Employees Retirement System (FERS), your unused annual leave payment is treated similarly. Both CSRS and FERS employees are eligible for the lump-sum payout upon separation, but the total value might vary depending on your pay grade, location, and the timing of your retirement. It’s important to remember that while <a class="" href="https://gofebra.com/csrs-information/" target="_new" rel="noopener" data-start="3323" data-end="3368">CSRS</a> retirees may have different annuity benefits, the unused annual leave payout is not included in pension calculations—it is paid separately, based solely on accrued leave and final salary rate.</p>
  267. <h2 data-start="3563" data-end="3635"><img loading="lazy" decoding="async" class="size-full wp-image-4199 aligncenter" src="https://gofebra.com/wp-content/uploads/2025/07/unused-annual-leave-1.jpg" alt="unused annual leave" width="1280" height="853" srcset="https://gofebra.com/wp-content/uploads/2025/07/unused-annual-leave-1.jpg 1280w, https://gofebra.com/wp-content/uploads/2025/07/unused-annual-leave-1-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/07/unused-annual-leave-1-1024x682.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/07/unused-annual-leave-1-768x512.jpg 768w, https://gofebra.com/wp-content/uploads/2025/07/unused-annual-leave-1-600x400.jpg 600w" sizes="auto, (max-width: 1280px) 100vw, 1280px" /><br />
  268. How can unused annual leave payments impact your retirement planning?</h2>
  269. <p data-start="3637" data-end="4259">Unused annual leave payments can serve as a bridge between your last federal paycheck and the start of your annuity payments. Since federal pensions often take 1–3 months to process, your annual leave payout can help cover living expenses during that gap. Some retirees even use the money for large expenses like home repairs or travel. However, it’s essential to factor in this payment when planning your financial strategy for retirement. Working with an expert like those at <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="4115" data-end="4177">GoFebra Retirement Services</a> can help you incorporate this payment into a well-rounded retirement income plan.</p>
  270. <h2 data-start="4261" data-end="4321">Can you use annual leave instead of receiving the payout?</h2>
  271. <p data-start="4323" data-end="4926">Yes, but it’s a tradeoff. Employees may choose to take annual leave before retiring or resigning, often referred to as going on “terminal leave.” This allows them to continue receiving a regular paycheck while using up accrued leave before the separation date. However, if you choose to use your leave instead of receiving a lump-sum payout, you must remain on the payroll during that period, which means you are still officially employed. Most employees opt for the lump-sum unused annual leave payment so they can begin the next phase of their life without delay, and with a financial cushion in hand.</p>
  272. <h2 data-start="4928" data-end="4986">Are there caps on how much annual leave you can accrue?</h2>
  273. <p data-start="4988" data-end="5621">Yes, federal employees are subject to annual leave accrual caps. Most employees can carry over up to 240 hours of unused annual leave into the next leave year. Senior executive service members and employees stationed overseas may be allowed higher caps. Any leave earned beyond the cap is forfeited if not used by the end of the leave year. Therefore, if you&#8217;re planning a separation or retirement, it’s wise to monitor your accrued hours and schedule your departure to maximize your payout. Planning strategically with help from <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="5518" data-end="5574">GoFebra’s About Us team</a> can ensure you get the most from this benefit.</p>
  274. <h2 data-start="5623" data-end="5702">What happens to your unused annual leave if you pass away before retirement?</h2>
  275. <p data-start="5704" data-end="6427">If a federal employee passes away before using their accrued annual leave, their estate or designated beneficiary will receive a lump-sum payment for the unused hours. This payment is calculated the same way it would be for a living employee upon separation. Families often rely on this payout to manage final expenses or support surviving dependents. To ensure proper handling, employees should keep their beneficiary designations current and consult with HR or a retirement specialist to understand the procedures involved. This aspect of your benefits package is one reason to explore <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="6292" data-end="6387">insurance and supplemental benefits</a> as part of a comprehensive estate plan.</p>
  276. <h2 data-start="6429" data-end="6493">How do you make the most of your unused annual leave payment?</h2>
  277. <p data-start="6495" data-end="7147">To get the most from your unused annual leave payment, plan your separation date strategically—ideally just after the end of a pay period or into a new tax year for better financial timing. Monitor your leave balance regularly to avoid exceeding accrual caps, and avoid using annual leave unnecessarily if a lump-sum payout better supports your financial goals. Factor in taxes, align it with retirement timelines, and consider its role in your broader benefits package. For tailored guidance, especially if you&#8217;re under the <a class="" href="https://gofebra.com/fers-retirement/" target="_new" rel="noopener" data-start="7020" data-end="7075">FERS retirement</a> system, working with a federal retirement expert is always a wise move.</p>
  278. ]]></content:encoded>
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  281. <slash:comments>0</slash:comments>
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