Retirement Systems

Civil Service Retirement System (CSRS)
Federal Employee retirement System (FERS)

Within the Federal government, you have two main retirement systems.

  • Civil Service Retirement system   (CSRS) Before 1984
  • Federal Employee retirement system (FERS) After Dec 1984

These are your basic federal retirement systems however, there is the CSRS offset system as well.

GPIS Federal Benefit Specialist can help you with many important questions you might have.

  1. Do you know when you will be eligible to retire?
  2. Do you know how to calculate your expected monthly income?
  3. Do you know what percentage of your retirement annuity you or your spouse will receive?
  4. Do you as a FERS employee understand the FERS special supplement and how to qualify?
  5. Are you aware of all the components it takes to make a complete retirement?
  6. Do you know your true bottom line when it comes to your retirement income?
  7. Do you know how to figure in your sick and annual leave?
  8. Do you understand your Social Security benefits and the implications of starting benefits at age 62 versus 66 and older?
  9. Have you considered buying back your Military time?
  10. Do you need help with deposits and redeposit?
  11. How do you make sure your spouse has health insurance in retirement in the event of your premature death?
  12. Is disability retirement right for you and how does it work?
  13. Do you know what role your TSP will play in your retirement? How long will your money last and should you leave the money in the TSP? Is the TSP the best place to leave your hard earned money?

In addition to the above questions, there are many other individualized areas of interest that must be considered as well. We encourage all Federal Employees to use GPIS as a resource and contact us to set up a Free Personal Benefit Review.

 Many of your questions can be answered over the phone. There are some issues that require a face to face appointment. GPIS is nationwide.