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  14. <description>Federal benefits, made simple</description>
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  31. <title>How the Annuity Supplement FERS Affects Your Total Retirement Income</title>
  32. <link>https://gofebra.com/how-the-annuity-supplement-fers-affects-your-total-retirement-income/</link>
  33. <comments>https://gofebra.com/how-the-annuity-supplement-fers-affects-your-total-retirement-income/#respond</comments>
  35. <dc:creator><![CDATA[admin]]></dc:creator>
  36. <pubDate>Sun, 27 Jul 2025 07:20:03 +0000</pubDate>
  37. <category><![CDATA[News]]></category>
  38. <guid isPermaLink="false">https://gofebra.com/?p=4223</guid>
  39.  
  40. <description><![CDATA[What is the annuity supplement FERS provides to early retirees? The annuity supplement FERS offers is a unique benefit designed to bridge the income gap between the time you retire and when you become eligible for Social Security, typically at age 62. It&#8217;s a calculated amount paid monthly to certain FERS retirees who retire before [&#8230;]]]></description>
  41. <content:encoded><![CDATA[<h2 data-start="72" data-end="138">What is the annuity supplement FERS provides to early retirees?</h2>
  42. <p data-start="140" data-end="816">The annuity supplement FERS offers is a unique benefit designed to bridge the income gap between the time you retire and when you become eligible for Social Security, typically at age 62. It&#8217;s a calculated amount paid monthly to certain FERS retirees who retire before reaching Social Security age. This supplement mimics the Social Security payment you&#8217;d receive at age 62, based on your federal civilian service. It’s crucial for early retirees relying on a steady income during the gap years before full Social Security benefits begin. However, it&#8217;s not available to all and comes with conditions, making it important to understand its role in your full retirement picture.</p>
  43. <h2 data-start="818" data-end="873">Who qualifies for the annuity supplement under FERS?</h2>
  44. <p data-start="875" data-end="1643">To qualify for the annuity supplement FERS provides, you must meet specific criteria. First, you must retire under immediate retirement provisions—not deferred or disability retirement. Second, you need to have reached your Minimum Retirement Age (MRA) with at least 30 years of service, or age 60 with 20 years of service. Special provisions apply to law enforcement officers, firefighters, and air traffic controllers. Importantly, the supplement ends at age 62 whether or not you claim Social Security. Those who separate under early retirement offers (like a Voluntary Early Retirement Authority or VERA) may also qualify, making eligibility a key component of FERS planning found in guides like <a class="" href="https://gofebra.com/fers-retirement/" target="_new" rel="noopener" data-start="1575" data-end="1642">this one on FERS retirement</a>.</p>
  45. <h2 data-start="1645" data-end="1694">How is the annuity supplement FERS calculated?</h2>
  46. <p data-start="1696" data-end="2044">The annuity supplement FERS pays is modeled after your Social Security benefit but based <strong data-start="1785" data-end="1793">only</strong> on your federal civilian service. The calculation uses a complex formula that estimates what your Social Security benefit would be at age 62, then reduces it proportionally to reflect only your years of federal service. Here’s a simplified breakdown:</p>
  47. <div class="contain-inline-size rounded-2xl relative bg-token-sidebar-surface-primary">
  48. <div class="overflow-y-auto p-4" dir="ltr"><code class="whitespace-pre!">Social <span class="hljs-keyword">Security</span> benefit at age <span class="hljs-number">62</span> × (Years <span class="hljs-keyword">of</span> FERS service ÷ Total years <span class="hljs-keyword">to</span> Social <span class="hljs-keyword">Security</span> eligibility)<br />
  49. </code></div>
  50. </div>
  51. <p data-start="2160" data-end="2433">This means if you’ve worked in federal service for 30 years and your projected Social Security benefit at 62 is $1,200/month, your FERS supplement might be about $1,200/month, too. However, any non-federal or military time not bought back won’t count toward the supplement.</p>
  52. <h2 data-start="2435" data-end="2490">How long does the annuity supplement FERS pays last?</h2>
  53. <p data-start="2492" data-end="3067">The annuity supplement FERS retirees receive typically begins when they retire and ends the month they turn 62, regardless of whether they actually start drawing Social Security benefits. It does <strong data-start="2688" data-end="2695">not</strong> extend beyond that point. This is important because many federal employees plan on delaying Social Security past age 62 for higher monthly payments. That gap must then be filled by savings, investments, or your <a class="" href="https://gofebra.com/thrift-savings-plan/" target="_new" rel="noopener" data-start="2907" data-end="2976">Thrift Savings Plan (TSP)</a> account. This dynamic is critical in understanding your cash flow during early retirement.</p>
  54. <h2 data-start="3069" data-end="3141">Does income from post-retirement work affect your annuity supplement?</h2>
  55. <p data-start="3143" data-end="3734">Yes. The annuity supplement FERS provides is subject to an <strong data-start="3202" data-end="3219">earnings test</strong> similar to Social Security. If you earn income from wages or self-employment after retirement, your supplement may be reduced or eliminated. The income limit changes yearly, but for 2025 it’s approximately <strong data-start="3426" data-end="3437">$22,320</strong>. For every $2 you earn over this limit, $1 will be deducted from your annuity supplement. This test does not apply to passive income like pensions, dividends, or withdrawals from retirement accounts, but it is something to factor in if you&#8217;re considering part-time or contract work in retirement.</p>
  56. <h2 data-start="3736" data-end="3807"><img fetchpriority="high" decoding="async" class="size-full wp-image-4224 aligncenter" src="https://gofebra.com/wp-content/uploads/2025/07/annuity-supplement-FERS-2.jpg" alt="annuity supplement FERS" width="1280" height="853" srcset="https://gofebra.com/wp-content/uploads/2025/07/annuity-supplement-FERS-2.jpg 1280w, https://gofebra.com/wp-content/uploads/2025/07/annuity-supplement-FERS-2-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/07/annuity-supplement-FERS-2-1024x682.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/07/annuity-supplement-FERS-2-768x512.jpg 768w, https://gofebra.com/wp-content/uploads/2025/07/annuity-supplement-FERS-2-600x400.jpg 600w" sizes="(max-width: 1280px) 100vw, 1280px" /><br />
  57. How does the annuity supplement impact your total retirement income?</h2>
  58. <p data-start="3809" data-end="4461">When estimating total retirement income, the annuity supplement FERS pays can significantly boost early retirees’ monthly budget. For example, if your FERS annuity is $2,000/month and your supplement adds $1,000, you’ll receive $3,000/month until age 62. However, once the supplement ends, your income drops unless you start Social Security or tap into other retirement sources. This makes it vital to coordinate your supplement, pension, Social Security, and personal savings to avoid unexpected shortfalls. For many, this planning starts years before retirement through resources like <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="4396" data-end="4460">GoFebra’s retirement guidance</a>.</p>
  59. <h2 data-start="4463" data-end="4546">Can the annuity supplement be combined with insurance or other federal benefits?</h2>
  60. <p data-start="4548" data-end="5110">The annuity supplement is paid in addition to your regular FERS annuity and doesn’t affect your eligibility for other federal benefits like FEHB or FEGLI. You continue to receive health, life, and other <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="4751" data-end="4846">insurance and supplemental benefits</a> if you’re eligible and have elected to carry them into retirement. However, the supplement itself does not include a cost-of-living adjustment (COLA), unlike the main annuity. This means it remains a fixed dollar amount, which may lose purchasing power over time.</p>
  61. <h2 data-start="5112" data-end="5149">Is the annuity supplement taxable?</h2>
  62. <p data-start="5151" data-end="5724">Yes, the annuity supplement FERS provides is <strong data-start="5196" data-end="5213">fully taxable</strong> as ordinary income. It is not considered Social Security income, even though it&#8217;s calculated using similar principles. It will be reported as part of your federal pension on IRS Form 1099-R. Since the supplement is not subject to FICA taxes (Social Security or Medicare withholding), it can slightly alter your tax planning strategy in retirement. Many retirees consult with tax professionals or use planning tools provided by federal benefits experts such as those at <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="5683" data-end="5723">GoFebra</a>.</p>
  63. <h2 data-start="5726" data-end="5786">How does the annuity supplement compare to CSRS benefits?</h2>
  64. <p data-start="5788" data-end="6445">If you’re comparing FERS and CSRS, note that the <strong data-start="5837" data-end="5864">annuity supplement FERS</strong> employees receive is intended to mimic CSRS&#8217;s higher immediate retirement payouts. CSRS employees do not receive Social Security benefits based on federal service (unless they worked in the private sector), but their pension is much larger—often 56–80% of their high-3 average salary. FERS employees typically receive a smaller annuity, Social Security, TSP withdrawals, and potentially the supplement. For those transitioning between systems or with blended service, <a class="" href="https://gofebra.com/csrs-information/" target="_new" rel="noopener" data-start="6333" data-end="6398">GoFebra’s CSRS resources</a> can help clarify how the two systems interact.</p>
  65. <h2 data-start="6447" data-end="6516">What should you do now to make the most of the annuity supplement?</h2>
  66. <p data-start="6518" data-end="6640">To make the most of the annuity supplement FERS provides, start planning early. Here’s what you should consider doing now:</p>
  67. <ul data-start="6642" data-end="7066">
  68. <li data-start="6642" data-end="6731">
  69. <p data-start="6644" data-end="6731"><strong data-start="6644" data-end="6685">Estimate your Social Security benefit</strong> at 62 using your Social Security statement.</p>
  70. </li>
  71. <li data-start="6732" data-end="6815">
  72. <p data-start="6734" data-end="6815"><strong data-start="6734" data-end="6773">Calculate your estimated supplement</strong> based on your federal years of service.</p>
  73. </li>
  74. <li data-start="6816" data-end="6896">
  75. <p data-start="6818" data-end="6896"><strong data-start="6818" data-end="6838">Plan your income</strong> sources to cover the gap between retirement and age 62.</p>
  76. </li>
  77. <li data-start="6897" data-end="6975">
  78. <p data-start="6899" data-end="6975"><strong data-start="6899" data-end="6937">Avoid exceeding the earnings limit</strong> if you plan to work after retiring.</p>
  79. </li>
  80. <li data-start="6976" data-end="7066">
  81. <p data-start="6978" data-end="7066"><strong data-start="6978" data-end="7026">Consult with a federal retirement specialist</strong> to align all moving parts of your plan.</p>
  82. </li>
  83. </ul>
  84. <p data-start="7068" data-end="7274">Retirement is a major decision, and the FERS annuity supplement is a valuable but temporary income stream. Understanding how it fits with your long-term goals will ensure a smoother, more secure retirement.</p>
  85. ]]></content:encoded>
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  88. <slash:comments>0</slash:comments>
  91. </item>
  92. <item>
  93. <title>What Is a Non Career Position in the Federal Government—and Is It Right for You?</title>
  94. <link>https://gofebra.com/what-is-a-non-career-position-in-the-federal-government-and-is-it-right-for-you/</link>
  95. <comments>https://gofebra.com/what-is-a-non-career-position-in-the-federal-government-and-is-it-right-for-you/#respond</comments>
  97. <dc:creator><![CDATA[admin]]></dc:creator>
  98. <pubDate>Sat, 26 Jul 2025 15:41:05 +0000</pubDate>
  99. <category><![CDATA[News]]></category>
  100. <guid isPermaLink="false">https://gofebra.com/?p=4219</guid>
  101.  
  102. <description><![CDATA[What is a non career position and how is it defined in federal service? When asking what is a non career position in the federal government, you&#8217;re essentially exploring a type of employment that is temporary, time-limited, or exempt from competitive hiring procedures. Non career positions are typically not part of the permanent civil service [&#8230;]]]></description>
  103. <content:encoded><![CDATA[<h2 data-start="84" data-end="158">What is a non career position and how is it defined in federal service?</h2>
  104. <p data-start="160" data-end="811">When asking what is a non career position in the federal government, you&#8217;re essentially exploring a type of employment that is temporary, time-limited, or exempt from competitive hiring procedures. Non career positions are typically not part of the permanent civil service workforce and often do not lead directly to career status. These roles may include political appointees, temporary seasonal workers, term-limited roles, or positions supporting federal agencies during emergencies or specific projects. While they provide valuable experience, they often come with fewer benefits and job protections than career or career-conditional appointments.</p>
  105. <h2 data-start="813" data-end="872">What are the different types of non career appointments?</h2>
  106. <p data-start="874" data-end="964">There are several types of non career appointments, each designed for specific situations:</p>
  107. <ul data-start="966" data-end="1401">
  108. <li data-start="966" data-end="1036">
  109. <p data-start="968" data-end="1036"><strong data-start="968" data-end="994">Temporary appointments</strong>: Up to 1 year, with potential extensions.</p>
  110. </li>
  111. <li data-start="1037" data-end="1132">
  112. <p data-start="1039" data-end="1132"><strong data-start="1039" data-end="1060">Term appointments</strong>: Lasting between 1–4 years, often tied to specific projects or funding.</p>
  113. </li>
  114. <li data-start="1133" data-end="1231">
  115. <p data-start="1135" data-end="1231"><strong data-start="1135" data-end="1180">Non career Senior Executive Service (SES)</strong>: High-level appointees without competitive status.</p>
  116. </li>
  117. <li data-start="1232" data-end="1322">
  118. <p data-start="1234" data-end="1322"><strong data-start="1234" data-end="1258">Schedule C positions</strong>: Confidential or policy-determining roles, typically political.</p>
  119. </li>
  120. <li data-start="1323" data-end="1401">
  121. <p data-start="1325" data-end="1401"><strong data-start="1325" data-end="1344">Emergency hires</strong>: Short-term roles during national or agency emergencies.</p>
  122. </li>
  123. </ul>
  124. <p data-start="1403" data-end="1687">Understanding these distinctions is crucial when evaluating whether a non career position aligns with your long-term career goals. These positions are governed by specific Office of Personnel Management (OPM) regulations and may not always count toward federal retirement eligibility.</p>
  125. <h2 data-start="1689" data-end="1766">What are the main benefits and drawbacks of non career federal employment?</h2>
  126. <p data-start="1768" data-end="2059">Non career federal jobs offer flexibility, valuable experience, and entry into public service—sometimes without the usual competitive application process. For those testing the waters in federal employment or looking to gain experience quickly, this can be ideal. However, drawbacks include:</p>
  127. <p data-start="2061" data-end="2070"><strong data-start="2061" data-end="2070">Pros:</strong></p>
  128. <ul data-start="2071" data-end="2214">
  129. <li data-start="2071" data-end="2106">
  130. <p data-start="2073" data-end="2106">Easier entry into federal service</p>
  131. </li>
  132. <li data-start="2107" data-end="2147">
  133. <p data-start="2109" data-end="2147">Opportunity to gain federal experience</p>
  134. </li>
  135. <li data-start="2148" data-end="2214">
  136. <p data-start="2150" data-end="2214">May lead to career roles through networking or internal openings</p>
  137. </li>
  138. </ul>
  139. <p data-start="2216" data-end="2225"><strong data-start="2216" data-end="2225">Cons:</strong></p>
  140. <ul data-start="2226" data-end="2450">
  141. <li data-start="2226" data-end="2285">
  142. <p data-start="2228" data-end="2285">Limited or no access to retirement and insurance benefits</p>
  143. </li>
  144. <li data-start="2286" data-end="2335">
  145. <p data-start="2288" data-end="2335">No guaranteed job security or promotion pathway</p>
  146. </li>
  147. <li data-start="2336" data-end="2450">
  148. <p data-start="2338" data-end="2450">Often not creditable service toward federal retirement systems like <a class="" href="https://gofebra.com/fers-retirement/" target="_new" rel="noopener" data-start="2406" data-end="2450">FERS</a></p>
  149. </li>
  150. </ul>
  151. <p data-start="2452" data-end="2586">Before accepting a non career role, assess your financial needs and long-term goals to determine if this option offers a path forward.</p>
  152. <h2 data-start="2588" data-end="2656">Do non career employees receive retirement or insurance benefits?</h2>
  153. <p data-start="2658" data-end="3457">One of the most important questions to consider when evaluating what is a non career position is how it affects your eligibility for federal benefits. In general, most non career employees <strong data-start="2847" data-end="2865">do not qualify</strong> for full benefits under systems like FEGLI (life insurance), FEHB (health benefits), or the <a class="" href="https://gofebra.com/fers-retirement/" target="_new" rel="noopener" data-start="2958" data-end="3040">Federal Employees Retirement System (FERS)</a>. However, some term employees may be eligible for <strong data-start="3091" data-end="3102">limited</strong> benefit options depending on their appointment type and length of service. Temporary workers, for example, are typically excluded from <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="3238" data-end="3333">insurance and supplemental benefits</a>, but recent changes under the Affordable Care Act have expanded health benefit access for some long-term temporary workers.</p>
  154. <h2 data-start="3459" data-end="3526">Can non career positions transition into permanent federal jobs?</h2>
  155. <p data-start="3528" data-end="4276">While non career positions are generally considered temporary or political, there are pathways into permanent roles. Some agencies may allow employees in non career appointments to apply for competitive service jobs through internal postings. Others may convert term appointments into career roles after successful service. That said, <strong data-start="3863" data-end="3934">non career service does not automatically confer competitive status</strong>, so the transition depends on agency policy, job performance, and the availability of permanent positions. If you&#8217;re considering a non career job as a stepping stone, it&#8217;s essential to stay informed about internal hiring practices and maintain close ties with HR or career advisors, such as those at <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="4235" data-end="4275">GoFebra</a>.</p>
  156. <h2 data-start="4278" data-end="4347"><img decoding="async" class="size-full wp-image-4220 aligncenter" src="https://gofebra.com/wp-content/uploads/2025/07/what-is-a-non-career-position-2.jpg" alt="what is a non career position" width="1280" height="853" srcset="https://gofebra.com/wp-content/uploads/2025/07/what-is-a-non-career-position-2.jpg 1280w, https://gofebra.com/wp-content/uploads/2025/07/what-is-a-non-career-position-2-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/07/what-is-a-non-career-position-2-1024x682.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/07/what-is-a-non-career-position-2-768x512.jpg 768w, https://gofebra.com/wp-content/uploads/2025/07/what-is-a-non-career-position-2-600x400.jpg 600w" sizes="(max-width: 1280px) 100vw, 1280px" /><br />
  157. What is the difference between non career and career appointments?</h2>
  158. <p data-start="4349" data-end="4512">The difference between non career and career appointments lies primarily in <strong data-start="4425" data-end="4484">duration, job protections, and eligibility for benefits</strong>. Here&#8217;s a quick comparison:</p>
  159. <div class="_tableContainer_80l1q_1">
  160. <div class="_tableWrapper_80l1q_14 group flex w-fit flex-col-reverse" tabindex="-1">
  161. <table class="w-fit min-w-(--thread-content-width)" data-start="4514" data-end="5094">
  162. <thead data-start="4514" data-end="4596">
  163. <tr data-start="4514" data-end="4596">
  164. <th data-start="4514" data-end="4543" data-col-size="sm">Feature</th>
  165. <th data-start="4543" data-end="4565" data-col-size="sm">Career Position</th>
  166. <th data-start="4565" data-end="4596" data-col-size="sm">Non Career Position</th>
  167. </tr>
  168. </thead>
  169. <tbody data-start="4680" data-end="5094">
  170. <tr data-start="4680" data-end="4762">
  171. <td data-start="4680" data-end="4709" data-col-size="sm">Job Security</td>
  172. <td data-col-size="sm" data-start="4709" data-end="4731">High</td>
  173. <td data-col-size="sm" data-start="4731" data-end="4762">Low</td>
  174. </tr>
  175. <tr data-start="4763" data-end="4845">
  176. <td data-start="4763" data-end="4792" data-col-size="sm">Benefits Eligibility</td>
  177. <td data-col-size="sm" data-start="4792" data-end="4814">Full</td>
  178. <td data-col-size="sm" data-start="4814" data-end="4845">Limited or None</td>
  179. </tr>
  180. <tr data-start="4846" data-end="4928">
  181. <td data-start="4846" data-end="4875" data-col-size="sm">Competitive Status</td>
  182. <td data-col-size="sm" data-start="4875" data-end="4897">Yes</td>
  183. <td data-col-size="sm" data-start="4897" data-end="4928">No</td>
  184. </tr>
  185. <tr data-start="4929" data-end="5011">
  186. <td data-start="4929" data-end="4958" data-col-size="sm">Retirement Creditable</td>
  187. <td data-col-size="sm" data-start="4958" data-end="4980">Yes</td>
  188. <td data-col-size="sm" data-start="4980" data-end="5011">Usually No</td>
  189. </tr>
  190. <tr data-start="5012" data-end="5094">
  191. <td data-start="5012" data-end="5041" data-col-size="sm">Conversion to Career Role</td>
  192. <td data-col-size="sm" data-start="5041" data-end="5063">Already Career</td>
  193. <td data-col-size="sm" data-start="5063" data-end="5094">Limited Pathways</td>
  194. </tr>
  195. </tbody>
  196. </table>
  197. <div class="sticky end-(--thread-content-margin) h-0 self-end select-none">
  198. <div class="absolute end-0 flex items-end"></div>
  199. </div>
  200. </div>
  201. </div>
  202. <p data-start="5096" data-end="5325">Understanding this distinction is vital for long-term planning, especially if you&#8217;re evaluating how a non career job will affect your <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="5230" data-end="5284">retirement benefits</a> or life insurance options down the line.</p>
  203. <h2 data-start="5327" data-end="5385">How long can you stay in a non career federal position?</h2>
  204. <p data-start="5387" data-end="6012">The duration of a non career appointment depends on the type. Temporary appointments generally last no more than one year (with limited extension options), while term appointments can last up to four years. Political appointments such as Schedule C or non career SES can vary depending on administration changes or the needs of the agency. It&#8217;s important to read your appointment documents carefully and understand when your position expires, and whether there&#8217;s potential for renewal or conversion. Proactively planning for what comes next is essential—especially if you&#8217;re looking to build a long-term career in government.</p>
  205. <h2 data-start="6014" data-end="6078">Are non career positions good for gaining federal experience?</h2>
  206. <p data-start="6080" data-end="6710">Absolutely. For many, non career jobs are an excellent way to enter the federal system, gain meaningful experience, and build a résumé. They offer insight into agency operations, public service culture, and federal workplace expectations. For college graduates, veterans, or professionals transitioning from the private sector, these positions can be a launchpad to future roles—particularly if you’re also contributing to your <a class="" href="https://gofebra.com/thrift-savings-plan/" target="_new" rel="noopener" data-start="6508" data-end="6577">Thrift Savings Plan (TSP)</a> or seeking skills to qualify for higher grades. Just be aware of the limitations, especially around benefits and long-term security.</p>
  207. <h2 data-start="6712" data-end="6766">What agencies commonly use non career appointments?</h2>
  208. <p data-start="6768" data-end="6868">Nearly all federal agencies use non career appointments to some degree, but the most common include:</p>
  209. <ul data-start="6870" data-end="7277">
  210. <li data-start="6870" data-end="6954">
  211. <p data-start="6872" data-end="6954"><strong data-start="6872" data-end="6902">U.S. Postal Service (USPS)</strong> – often hires non career carriers and mail handlers</p>
  212. </li>
  213. <li data-start="6955" data-end="7039">
  214. <p data-start="6957" data-end="7039"><strong data-start="6957" data-end="6996">Department of Veterans Affairs (VA)</strong> – seasonal or project-based clinical staff</p>
  215. </li>
  216. <li data-start="7040" data-end="7126">
  217. <p data-start="7042" data-end="7126"><strong data-start="7042" data-end="7083">Environmental Protection Agency (EPA)</strong> – scientific fellowships or advisory roles</p>
  218. </li>
  219. <li data-start="7127" data-end="7194">
  220. <p data-start="7129" data-end="7194"><strong data-start="7129" data-end="7160">Department of Defense (DoD)</strong> – term-based civilian specialists</p>
  221. </li>
  222. <li data-start="7195" data-end="7277">
  223. <p data-start="7197" data-end="7277"><strong data-start="7197" data-end="7234">Executive Office of the President</strong> – political appointees in Schedule C roles</p>
  224. </li>
  225. </ul>
  226. <p data-start="7279" data-end="7458">If you&#8217;re applying for one of these jobs, it’s worth visiting <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="7341" data-end="7372">GoFebra</a> to understand how these roles may affect your benefits or long-term employment goals.</p>
  227. <h2 data-start="7460" data-end="7535">What should you consider before accepting a non career federal position?</h2>
  228. <p data-start="7537" data-end="7605">Before accepting a non career federal position, weigh the following:</p>
  229. <ul data-start="7607" data-end="7911">
  230. <li data-start="7607" data-end="7689">
  231. <p data-start="7609" data-end="7689"><strong data-start="7609" data-end="7643">What are your long-term goals?</strong> Is this role a step toward a career position?</p>
  232. </li>
  233. <li data-start="7690" data-end="7764">
  234. <p data-start="7692" data-end="7764"><strong data-start="7692" data-end="7719">Will you need benefits?</strong> If so, confirm eligibility before accepting.</p>
  235. </li>
  236. <li data-start="7765" data-end="7831">
  237. <p data-start="7767" data-end="7831"><strong data-start="7767" data-end="7799">How long is the appointment?</strong> Is it renewable or convertible?</p>
  238. </li>
  239. <li data-start="7832" data-end="7911">
  240. <p data-start="7834" data-end="7911"><strong data-start="7834" data-end="7883">Will this job help you build valuable skills?</strong> Can it lead to other roles?</p>
  241. </li>
  242. </ul>
  243. <p data-start="7913" data-end="8136">If you’re unclear about the appointment terms or how it affects your future benefits, consult with a federal employment specialist or research through trusted platforms like <a class="" href="https://gofebra.com/csrs-information/" target="_new" rel="noopener" data-start="8087" data-end="8135">GoFebra</a>.</p>
  244. ]]></content:encoded>
  246. <wfw:commentRss>https://gofebra.com/what-is-a-non-career-position-in-the-federal-government-and-is-it-right-for-you/feed/</wfw:commentRss>
  247. <slash:comments>0</slash:comments>
  250. </item>
  251. <item>
  252. <title>Your Guide to Civil Service Life Insurance After Retirement in 2025</title>
  253. <link>https://gofebra.com/your-guide-to-civil-service-life-insurance-after-retirement-in-2025/</link>
  254. <comments>https://gofebra.com/your-guide-to-civil-service-life-insurance-after-retirement-in-2025/#respond</comments>
  256. <dc:creator><![CDATA[admin]]></dc:creator>
  257. <pubDate>Fri, 25 Jul 2025 15:33:39 +0000</pubDate>
  258. <category><![CDATA[News]]></category>
  259. <guid isPermaLink="false">https://gofebra.com/?p=4215</guid>
  260.  
  261. <description><![CDATA[What is civil service life insurance after retirement and who is eligible? Civil service life insurance after retirement refers to continued coverage under the Federal Employees’ Group Life Insurance (FEGLI) program for eligible federal retirees. If you’ve had FEGLI Basic coverage for the five years immediately before retirement—or for your entire federal career if shorter—you [&#8230;]]]></description>
  262. <content:encoded><![CDATA[<h2 data-start="71" data-end="148">What is civil service life insurance after retirement and who is eligible?</h2>
  263. <p data-start="150" data-end="818">Civil service life insurance after retirement refers to continued coverage under the Federal Employees’ Group Life Insurance (FEGLI) program for eligible federal retirees. If you’ve had FEGLI Basic coverage for the five years immediately before retirement—or for your entire federal career if shorter—you can carry it into retirement. Many employees also carry Option A, B, or C coverage, but these come with stricter rules and higher premiums after retirement. This benefit is a major component of the post-retirement benefits package and can provide continued protection for your spouse, family, or estate—without the need to reapply or undergo medical underwriting.</p>
  264. <h2 data-start="820" data-end="877">How does FEGLI Basic coverage change after retirement?</h2>
  265. <p data-start="879" data-end="1575">After retirement, FEGLI Basic coverage doesn’t disappear, but it does change. You must choose between three post-retirement reduction options: <strong data-start="1022" data-end="1039">75% Reduction</strong>, <strong data-start="1041" data-end="1058">50% Reduction</strong>, or <strong data-start="1063" data-end="1079">No Reduction</strong>. With the 75% Reduction (the default), your Basic coverage gradually decreases starting at age 65 until it settles at 25% of your original amount—at no cost. The 50% and No Reduction options allow you to retain more of your Basic coverage, but they come with additional monthly premiums. Your choice will impact both your retirement income and survivor benefits, so it’s important to align your election with your overall <a class="" href="https://gofebra.com/fers-retirement/" target="_new" rel="noopener" data-start="1502" data-end="1557">FERS retirement</a> or CSRS planning.</p>
  266. <h2 data-start="1577" data-end="1638">What happens to FEGLI Option A, B, and C after retirement?</h2>
  267. <p data-start="1640" data-end="2323">FEGLI Option A (a fixed $10,000 benefit) can continue into retirement and, like Basic coverage, has a free 75% reduction after age 65. Option B and Option C, however, are more expensive and are not free in retirement. Option B (coverage up to 5 times your salary) and Option C (coverage for spouse and children) can continue, but premiums increase significantly every five years. Retirees can reduce or cancel these options at any time. Many federal employees elect to reduce or drop Options B and C after retirement and explore <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="2169" data-end="2264">insurance and supplemental benefits</a> to replace them with more cost-effective private policies.</p>
  268. <h2 data-start="2325" data-end="2379">What are the 2025 FEGLI premium rates for retirees?</h2>
  269. <p data-start="2381" data-end="2656">FEGLI premiums for retirees are tiered by age and coverage type. Basic coverage under the 75% Reduction option becomes free at age 65. However, if you opt for 50% or No Reduction, monthly premiums will continue based on the following approximate rates (as of 2025 estimates):</p>
  270. <div class="_tableContainer_80l1q_1">
  271. <div class="_tableWrapper_80l1q_14 group flex w-fit flex-col-reverse" tabindex="-1">
  272. <table class="w-fit min-w-(--thread-content-width)" data-start="2658" data-end="3106">
  273. <thead data-start="2658" data-end="2731">
  274. <tr data-start="2658" data-end="2731">
  275. <th data-start="2658" data-end="2670" data-col-size="sm">Age Group</th>
  276. <th data-start="2670" data-end="2696" data-col-size="sm">Option B/C (per $1,000)</th>
  277. <th data-start="2696" data-end="2731" data-col-size="sm">No Reduction Basic (per $1,000)</th>
  278. </tr>
  279. </thead>
  280. <tbody data-start="2807" data-end="3106">
  281. <tr data-start="2807" data-end="2881">
  282. <td data-start="2807" data-end="2819" data-col-size="sm">65-69</td>
  283. <td data-start="2819" data-end="2846" data-col-size="sm">$0.60</td>
  284. <td data-start="2846" data-end="2881" data-col-size="sm">$0.325</td>
  285. </tr>
  286. <tr data-start="2882" data-end="2956">
  287. <td data-start="2882" data-end="2894" data-col-size="sm">70-74</td>
  288. <td data-start="2894" data-end="2921" data-col-size="sm">$1.10</td>
  289. <td data-start="2921" data-end="2956" data-col-size="sm">$0.55</td>
  290. </tr>
  291. <tr data-start="2957" data-end="3031">
  292. <td data-start="2957" data-end="2969" data-col-size="sm">75-79</td>
  293. <td data-start="2969" data-end="2996" data-col-size="sm">$1.80</td>
  294. <td data-start="2996" data-end="3031" data-col-size="sm">$0.825</td>
  295. </tr>
  296. <tr data-start="3032" data-end="3106">
  297. <td data-start="3032" data-end="3044" data-col-size="sm">80+</td>
  298. <td data-col-size="sm" data-start="3044" data-end="3071">$2.90</td>
  299. <td data-col-size="sm" data-start="3071" data-end="3106">$1.30</td>
  300. </tr>
  301. </tbody>
  302. </table>
  303. <div class="sticky end-(--thread-content-margin) h-0 self-end select-none">
  304. <div class="absolute end-0 flex items-end"></div>
  305. </div>
  306. </div>
  307. </div>
  308. <p data-start="3108" data-end="3321">These premiums can add up quickly, especially for retirees living on a fixed income. That’s why it’s important to evaluate the real cost versus the benefit and consider alternatives before making a final decision.</p>
  309. <h2 data-start="3323" data-end="3410"><img decoding="async" class="size-full wp-image-4217 aligncenter" src="https://gofebra.com/wp-content/uploads/2025/07/civil-service-life-insurance-after-retirement-1.jpg" alt="civil service life insurance after retirement" width="1280" height="853" srcset="https://gofebra.com/wp-content/uploads/2025/07/civil-service-life-insurance-after-retirement-1.jpg 1280w, https://gofebra.com/wp-content/uploads/2025/07/civil-service-life-insurance-after-retirement-1-300x200.jpg 300w, https://gofebra.com/wp-content/uploads/2025/07/civil-service-life-insurance-after-retirement-1-1024x682.jpg 1024w, https://gofebra.com/wp-content/uploads/2025/07/civil-service-life-insurance-after-retirement-1-768x512.jpg 768w, https://gofebra.com/wp-content/uploads/2025/07/civil-service-life-insurance-after-retirement-1-600x400.jpg 600w" sizes="(max-width: 1280px) 100vw, 1280px" /><br />
  310. Can civil service life insurance after retirement be replaced with private coverage?</h2>
  311. <p data-start="3412" data-end="4094">Yes, many retirees choose to drop or reduce their civil service life insurance after retirement and replace it with private life insurance. This decision often comes down to <strong data-start="3586" data-end="3628">cost, flexibility, and legacy planning</strong>. While FEGLI provides guaranteed coverage regardless of health status, private policies can offer better customization, stable premiums, and higher benefit potential if secured early. It’s wise to compare the FEGLI options against private insurance, especially if you’re carrying Option B into retirement. Review these choices with a trusted federal benefits advisor or explore retirement alternatives with resources like <a class="" href="https://gofebra.com/retirement/" target="_new" rel="noopener" data-start="4051" data-end="4093">GoFebra</a>.</p>
  312. <h2 data-start="4096" data-end="4176">Does your retirement system—FERS or CSRS—affect your life insurance benefits?</h2>
  313. <p data-start="4178" data-end="4802">Whether you’re under CSRS or FERS, your civil service life insurance after retirement functions largely the same. The primary difference lies in how it fits into your broader retirement package. CSRS retirees often rely more heavily on their annuity since they may not receive Social Security benefits. This makes preserving every dollar in retirement more critical. FERS retirees, by contrast, may have more flexibility through Social Security and TSP. Understanding how life insurance fits within <a class="" href="https://gofebra.com/csrs-information/" target="_new" rel="noopener" data-start="4677" data-end="4742">CSRS retirement benefits</a> can help you avoid unnecessary costs or gaps in protection.</p>
  314. <h2 data-start="4804" data-end="4864">Is civil service life insurance after retirement taxable?</h2>
  315. <p data-start="4866" data-end="5506">FEGLI proceeds paid to beneficiaries are generally <strong data-start="4917" data-end="4942">not taxable as income</strong>, making them a useful estate planning tool. However, any interest earned on a delayed payment or if the death benefit is left in an interest-bearing account may be taxable. While premiums are not tax-deductible, the non-taxable payout is one reason retirees consider keeping at least Basic FEGLI coverage. If your estate planning includes gifting, trusts, or tax-sensitive assets, be sure to consult with a qualified advisor. You can also learn more about the tax treatment of federal benefits through trusted advisors at <a class="" href="https://gofebra.com/about-us/" target="_new" rel="noopener" data-start="5465" data-end="5505">GoFebra</a>.</p>
  316. <h2 data-start="5508" data-end="5587">Can you cancel or reduce your civil service life insurance after retirement?</h2>
  317. <p data-start="5589" data-end="6119">Yes, you can cancel or reduce your FEGLI coverage at any time after retirement, but you <strong data-start="5677" data-end="5687">cannot</strong> increase it. For this reason, many employees opt to carry the coverage they <em data-start="5764" data-end="5771">might</em> need into retirement and then adjust downward later. It’s important to understand that once you reduce or cancel a part of your coverage, you cannot get it back—even if your health changes. Therefore, decisions about FEGLI after retirement should be made carefully and as part of a broader benefits review, ideally during your final working years.</p>
  318. <h2 data-start="6121" data-end="6187">How does life insurance after retirement affect your survivors?</h2>
  319. <p data-start="6189" data-end="6858">Civil service life insurance after retirement can provide peace of mind and financial support to your survivors. Whether it&#8217;s helping cover funeral expenses, medical bills, mortgage balances, or general living costs, the tax-free lump sum can relieve your loved ones of financial stress during a difficult time. If you’ve elected a survivor annuity under FERS or CSRS, this coverage can enhance that benefit. The key is ensuring that beneficiaries are up to date and that your loved ones understand how to claim benefits. For more insight into coordinating survivor benefits, <a class="" href="https://gofebra.com/" target="_new" rel="noopener" data-start="6765" data-end="6796">GoFebra</a> offers personalized federal retirement education and support.</p>
  320. <h2 data-start="6860" data-end="6949">What should you consider before keeping civil service life insurance after retirement?</h2>
  321. <p data-start="6951" data-end="7060">Before committing to keeping your civil service life insurance after retirement, weigh the following factors:</p>
  322. <ul data-start="7062" data-end="7364">
  323. <li data-start="7062" data-end="7103">
  324. <p data-start="7064" data-end="7103"><strong data-start="7064" data-end="7101">Do you still need life insurance?</strong></p>
  325. </li>
  326. <li data-start="7104" data-end="7150">
  327. <p data-start="7106" data-end="7150"><strong data-start="7106" data-end="7148">Are the premiums manageable long-term?</strong></p>
  328. </li>
  329. <li data-start="7151" data-end="7221">
  330. <p data-start="7153" data-end="7221"><strong data-start="7153" data-end="7219">Could private insurance offer better coverage at a lower cost?</strong></p>
  331. </li>
  332. <li data-start="7222" data-end="7302">
  333. <p data-start="7224" data-end="7302"><strong data-start="7224" data-end="7300">Are you using the benefit to leave a legacy or cover immediate expenses?</strong></p>
  334. </li>
  335. <li data-start="7303" data-end="7364">
  336. <p data-start="7305" data-end="7364"><strong data-start="7305" data-end="7364">Does the policy complement your retirement income plan?</strong></p>
  337. </li>
  338. </ul>
  339. <p data-start="7366" data-end="7680">These questions are crucial when aligning your life insurance with your long-term financial and estate goals. Getting help from a federal benefits expert or using retirement planning resources like <a class="" href="https://gofebra.com/insurance-and-supplimental-benefits/" target="_new" rel="noopener" data-start="7564" data-end="7631">GoFebra</a> can help you navigate your choices with clarity.</p>
  340. ]]></content:encoded>
  342. <wfw:commentRss>https://gofebra.com/your-guide-to-civil-service-life-insurance-after-retirement-in-2025/feed/</wfw:commentRss>
  343. <slash:comments>0</slash:comments>
  346. </item>
  347. <item>
  348. <title>Humana Dental for Federal Employees: How Much Will It Really Save You?</title>
  349. <link>https://gofebra.com/humana-dental-for-federal-employees-how-much-will-it-really-save-you/</link>
  350. <comments>https://gofebra.com/humana-dental-for-federal-employees-how-much-will-it-really-save-you/#respond</comments>
  352. <dc:creator><![CDATA[admin]]></dc:creator>
  353. <pubDate>Thu, 24 Jul 2025 15:19:14 +0000</pubDate>
  354. <category><![CDATA[News]]></category>
  355. <guid isPermaLink="false">https://gofebra.com/?p=4210</guid>
  356.  
  357. <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>
  358. <content:encoded><![CDATA[<h2 data-start="74" data-end="142">What is Humana Dental for federal employees and how does it work?</h2>
  359. <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>
  360. <h2 data-start="856" data-end="922">How much does Humana Dental cost for federal employees in 2025?</h2>
  361. <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>
  362. <div class="_tableContainer_80l1q_1">
  363. <div class="_tableWrapper_80l1q_14 group flex w-fit flex-col-reverse" tabindex="-1">
  364. <table class="w-fit min-w-(--thread-content-width)" data-start="1213" data-end="1442">
  365. <thead data-start="1213" data-end="1258">
  366. <tr data-start="1213" data-end="1258">
  367. <th data-start="1213" data-end="1231" data-col-size="sm">Coverage Type</th>
  368. <th data-start="1231" data-end="1258" data-col-size="sm">Monthly Premium (Range)</th>
  369. </tr>
  370. </thead>
  371. <tbody data-start="1305" data-end="1442">
  372. <tr data-start="1305" data-end="1350">
  373. <td data-start="1305" data-end="1323" data-col-size="sm">Self Only</td>
  374. <td data-col-size="sm" data-start="1323" data-end="1350">$11 – $16</td>
  375. </tr>
  376. <tr data-start="1351" data-end="1396">
  377. <td data-start="1351" data-end="1369" data-col-size="sm">Self + One</td>
  378. <td data-col-size="sm" data-start="1369" data-end="1396">$22 – $33</td>
  379. </tr>
  380. <tr data-start="1397" data-end="1442">
  381. <td data-start="1397" data-end="1415" data-col-size="sm">Family</td>
  382. <td data-col-size="sm" data-start="1415" data-end="1442">$30 – $50</td>
  383. </tr>
  384. </tbody>
  385. </table>
  386. <div class="sticky end-(--thread-content-margin) h-0 self-end select-none">
  387. <div class="absolute end-0 flex items-end"></div>
  388. </div>
  389. </div>
  390. </div>
  391. <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>
  392. <h2 data-start="1840" data-end="1911">What services are covered under Humana Dental for federal employees?</h2>
  393. <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>
  394. <ul data-start="2059" data-end="2375">
  395. <li data-start="2059" data-end="2144">
  396. <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>
  397. </li>
  398. <li data-start="2145" data-end="2222">
  399. <p data-start="2147" data-end="2222"><strong data-start="2147" data-end="2165">Basic services</strong>: fillings, extractions, and minor periodontal procedures</p>
  400. </li>
  401. <li data-start="2223" data-end="2298">
  402. <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>
  403. </li>
  404. <li data-start="2299" data-end="2375">
  405. <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>
  406. </li>
  407. </ul>
  408. <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>
  409. <h2 data-start="2773" data-end="2840">How much can federal employees save annually with Humana Dental?</h2>
  410. <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>
  411. <p data-start="3142" data-end="3188">Here’s an example of estimated annual savings:</p>
  412. <div class="_tableContainer_80l1q_1">
  413. <div class="_tableWrapper_80l1q_14 group flex w-fit flex-col-reverse" tabindex="-1">
  414. <table class="w-fit min-w-(--thread-content-width)" data-start="3190" data-end="3710">
  415. <thead data-start="3190" data-end="3294">
  416. <tr data-start="3190" data-end="3294">
  417. <th data-start="3190" data-end="3214" data-col-size="sm">Procedure Type</th>
  418. <th data-start="3214" data-end="3247" data-col-size="sm">Average Cost Without Insurance</th>
  419. <th data-start="3247" data-end="3283" data-col-size="sm">Estimated Cost with Humana Dental</th>
  420. <th data-start="3283" data-end="3294" data-col-size="sm">Savings</th>
  421. </tr>
  422. </thead>
  423. <tbody data-start="3399" data-end="3710">
  424. <tr data-start="3399" data-end="3502">
  425. <td data-start="3399" data-end="3423" data-col-size="sm">2 Cleanings + X-rays</td>
  426. <td data-col-size="sm" data-start="3423" data-end="3455">$350</td>
  427. <td data-col-size="sm" data-start="3455" data-end="3491">$0 (in-network)</td>
  428. <td data-col-size="sm" data-start="3491" data-end="3502">$350</td>
  429. </tr>
  430. <tr data-start="3503" data-end="3606">
  431. <td data-start="3503" data-end="3527" data-col-size="sm">1 Crown</td>
  432. <td data-col-size="sm" data-start="3527" data-end="3559">$1,200</td>
  433. <td data-col-size="sm" data-start="3559" data-end="3595">$400–$600</td>
  434. <td data-col-size="sm" data-start="3595" data-end="3606">$600–800</td>
  435. </tr>
  436. <tr data-start="3607" data-end="3710">
  437. <td data-start="3607" data-end="3631" data-col-size="sm">Orthodontics (child)</td>
  438. <td data-col-size="sm" data-start="3631" data-end="3663">$5,000</td>
  439. <td data-col-size="sm" data-start="3663" data-end="3699">$2,500–$3,000</td>
  440. <td data-col-size="sm" data-start="3699" data-end="3710">$2,000+</td>
  441. </tr>
  442. </tbody>
  443. </table>
  444. <div class="sticky end-(--thread-content-margin) h-0 self-end select-none">
  445. <div class="absolute end-0 flex items-end"></div>
  446. </div>
  447. </div>
  448. </div>
  449. <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>
  450. <h2 data-start="3857" data-end="3912"><img loading="lazy" 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="auto, (max-width: 1280px) 100vw, 1280px" /><br />
  451. Is Humana Dental a good option for federal retirees?</h2>
  452. <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>
  453. <h2 data-start="4520" data-end="4576">Does Humana Dental cover dependents and orthodontics?</h2>
  454. <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>
  455. <h2 data-start="5274" data-end="5329">How does the Humana Dental provider network compare?</h2>
  456. <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>
  457. <h2 data-start="5916" data-end="5973">What happens if you delay enrollment in Humana Dental?</h2>
  458. <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>
  459. <h2 data-start="6612" data-end="6673">Can Humana Dental be combined with other federal benefits?</h2>
  460. <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>
  461. <h2 data-start="7307" data-end="7371">How do you know if Humana Dental is the right choice for you?</h2>
  462. <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>
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