Social Security Spousal Benefits for Federal Employees: Key Rules and Offsets
Key Takeaways:
Federal employees’ Social Security spousal benefits are affected by retirement system enrollment and the Government Pension Offset, especially under CSRS.
Understanding timing, eligibility, and required documentation is essentia…
FERS Retirement High Three Calculation: Myths vs Facts on High-3 Averages
Key Takeaways:
The FERS high-3 average is based on your highest-paid three consecutive years of service, not just your last three years.
Understanding OPM rules and proper documentation is essential for an accurate high-3 calculation and federal…
How to Understand Taxes on Federal Retirement Income and Annuity Benefits in 2026
Key Takeaways:
Most federal retirement income, including CSRS and FERS annuities and pre-tax TSP withdrawals, is subject to federal income tax; some states also tax federal pensions.
Tax rules differ across benefit types, so understanding distin…
