FERS Guides
Benefits and protection
The elections that protect someone other than you, and the coverage that either follows you into retirement or stops at the door. Mostly one-time decisions made at retirement.
3 articles
FEGLI Option B premiums double roughly every five years after 50 — the same $500,000 that costs $780/year at 45 costs nearly $30,000/year at 80. The age bands, the 5-year rule, and the retirement elections explained.
The full FERS survivor benefit costs 10% of your annuity and pays your spouse 50% after you die. Here's the exact cost, the break-even analysis, and when declining is the right call.
Keep FEHB after retirement with the government still paying 70–75% of your premium — but only if you meet the five-year rule. Here's what changes, how Medicare coordinates at 65, and the most expensive mistakes federal retirees make.