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Federal Employees Benefits Q &A

Do you have questions about your federal employee CSRS or FERS pension/annuity or federal employee retirement planning? Concerns about your Thrift Savings Plan (TSP) account or what about federal employee pay and leave issues?

Ask your question here.

The Q&A forum is moderated by Ed Zurndorfer -- an expert on federal employee benefits -- and a Certified Financial Planner, chartered life underwriter and chartered financial consultant in Maryland.

Zurndorfer is also the author of several federal employee benefits guides published by Federal Employees News Digest.

Your question will be put into a message queue and submitted for review. We cannot guarantee that all questions will be answered, however any answered questions will appear below, and some will also be featured in our daily Federal Daily e-newsletter (Subscribe here). Members of Federal Soup will not be able to submit replies to the questions posted, as we leave the replies for the moderator only.

Please do not submit employee benefits questions to the webmaster or the forum moderator.

Note: FederalSoup.com has attempted to compile information that is as accurate and current as possible for federal employees. Federal policies, laws, regulations, statistics and addresses continually change. Therefore, no warranties are made as to the accuracy or completeness of the information presented in this column. If additional clarification or information is needed, it is suggested that competent and professional assistance be sought. Mr. Zurndorfer does not moderate other forums on FederalSoup and will not reply to general FederalSoup inquiries submitted in this Q&A forum.

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#1 Posted : Friday, March 30, 2012 3:58:47 AM(UTC)

Rank: Newbie

Groups: Registered
Joined: 5/12/2008(UTC)
Posts: 16

Hi Ed,

In reply to your answer for me under PP26-27, you mention to me that Jan 2, 2013 would be better to retire on and I don't disagree.
The question I have and that worries me is, If I retire after the 2012 calendar year and congress gets their way with passing any of the bills that change our contributions to health care, retirement contributions, etc. and it starts 1/1/2013, wouldn't I fall into the higher cost of health care (my share) etc.?

I don't trust Washington right now and I don't want to lose a penny from my retirement as it is today  if I'm still on the books as a working Fed and these possible changes go into effect on 1/1/2013.

So, if changes are made and start 1/1/13, and I'm still working, will the increase cost follow me into retirement should I stay till 1/2/2013?

Thank you Ed...

Ed Zurndorfer  
#2 Posted : Sunday, April 01, 2012 7:29:12 PM(UTC)
Ed Zurndorfer

Rank: Senior Member

Groups: Registered
Joined: 9/10/2001(UTC)
Posts: 4,414

You should not worry and proceed as recommended - retire on January 2 or 3, 2013. Chances are between "slim and none" that changes will be made to the federal retirement system - especially for CSRS employees. If any changes are made, it will most likely affect new employees starting in calendar year 2013. 

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