What Happens to Federal Employees Who are Disabled?

It’s not exactly something we all love to think about, but what would happen if you became disabled due to illness or injury? Since last month was National Disability Awareness Month, it might have sparked some thoughts or conversations for you. Or, if not, now is the time to consider the issue. Of course, we all know that there are some provisions in place for anyone injured and disabled on the job. But what about events that happen outside of work? A car...

4 Factors to Consider When Crafting Your Retirement Plan

In several ways, the retirement plan offered to federal employees is more comprehensive than the plans enjoyed by many workers in the private sector. You have the opportunity to enjoy income from three different sources in retirement, so you might be feeling more optimistic about retirement than the average person. Still, we all face risks, and the following four factors will impact us all to varying degrees. Your lifespan. The average lifespan is increasing,...

Simple Ways to Boost Your Credit Score

A good credit score is often the ticket to lower interest rates, more attractive insurance premiums, and the best credit card rewards programs. With particular regard to interest rates, having a good credit score can save you thousands over the long run. But what if you miss the minimum credit score for certain programs or benefits, by just a point or two? You might wish you had worked on your credit a bit more. We all know that building a solid credit history...

How to Lower Your Tax Liability During Retirement

Once you retire, you will rely upon a combination of Social Security benefits, your pension, and your own savings. After paying taxes on your income all of your life, it might surprise you to learn that your Social Security benefits can be taxed too! But that’s exactly the situation many retirees face. Here are some ways to minimize those taxes. Watch the thresholds. Your benefits become taxable only after your adjusted gross income exceeds certain thresholds. If...

3 Steps Toward a More Secure Retirement

We often say that the three-tiered retirement plan offered to federal employees rivals, or even beats, those offered within the private sector. But that doesn’t mean you should just assume that your retirement will be simple and easy. We still must pay close attention to the decisions we make along the way, so that we are more likely to retire as planned. So, retirement planning is an ongoing process, even for federal employees. Every few years you should take the...

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