Though the Federal government provides some information concerning your Federal retirement benefits, it can be hard to understand and doesn’t offer advice specific to your situation. FEDweek’s reader-friendly Handbooks compile the latest critical information on your FERS and CSRS plans to help you take full advantage of your benefits and avoid making costly mistakes. Through our exclusive partnership with FEDweek, F.F.E.B.A. can provide you with one of five FEDweek Handbooks at no charge. When you consider these publications are sold on the FEDweek website for $12.95 to $13.95, that’s quite a savings.
This website provides an overview of the Educational Seminars and Resources F.F.E.B.A can provide to Federal Agencies seeking to help their employees stay current with the ever-changing rules and requirements of their FERS and CSRS retirement benefits. For complete information, call F.F.E.B.A at: 727-491-7031.
At F.F.E.B.A. we consider it our mission to help educate Federal Employees on their FERS and CSRS benefits so they can plan the financially-balanced retirement they’ve worked long and hard to earn.
As a resource for the latest information on the FERS and CSRS benefit plans, the educational material we provide is designed to help them make strategic retirement-planning decisions specific to their financial situation and needs.
F.F.E.B.A is not affiliated or endorsed by the Federal Government.
Revised and Adopted: July 22, 2016.
When you log onto this Website, or submit a benefit analysis request to FFEBA, we collect basic information such as your name, contact information, preferences and date of birth. We collect information about your participation in FFEBA activities.
FFEBA also collects information on our Website. We collect both information that identifies you as a particular individual (“personally identifiable information”) and anonymous information that is not associated with a specific individual (“nonpersonally identifiable information”). When you visit our Website, some information may be collected automatically as part of the site’s operation. We also collect information we receive from you during online registration and when you complete other forms. In the following sections, we explain in more detail the types of information we collect online.
Unique identifiers when using a mobile device, including mobile device identification numbers.
Other information that may help us to provide customized content or advertising.
We may allow third-party analytics companies, research companies or ad networks to collect nonpersonally identifiable information on our website. These companies may use tracking technologies, including cookies and Web beacons, to collect information about users of our site in order to analyze, report on or customize advertising on our site or on other sites.
If you stay logged in to your social media accounts, log-in to our website using your social media account, use a “like” button or use other social media features while visiting our website those social media companies may collect information about you. Your interactions with social media companies and the use of their features are governed by the privacy policies of the social media companies who provide those features.
Social Media Advertising Networks. We may share information about you with social media networks to allow for the delivery of customized advertising about products and services that you may be interested in. We provide this information to the social media network so they can deliver the ad to the right social media user. The delivery of customized social media ads, and your ability to opt-out of receiving those ads, is governed by the privacy policies of the social media companies who deliver customized ads to you.
Licensed Providers.Licensed providers are third parties who make available special FFEBA branded discounts, products or services. Licensed providers are required to keep FFEBA user or member information confidential, and to use the information only to offer the contracted products or services to FFEBA and FFEBA user or members. Some of our licensed providers may also collect data about our members through their interactions with the members. The licensed providers may share some or all of this data with FFEBAP so that we may make available more effective and personalized service to our members. We may share information including personally identifiable information collected with Licensed Providers, even if you are not a user or member of FFEBA.
Corporate Affiliates.We may share information including your personally identifiable information with wholly or majority owned affiliates or other affiliated organizations, so they can provide you with information about services and programs that might interest you.
Approved Vendors.We may share your information including your personally identifiable information with companies we hire to provide certain a services such as sending mailings, improving advertising services, providing member benefits and managing databases or other technology.
Selected Organizations.We may occasionally engage in “list exchanges” with selected organizations in which we may share your information including your personally identifiable information.
Aggregate Data.We may share aggregate statistics and other nonpersonally identifiable information with the media, government agencies, advertisers and other third parties. These aggregate statistics will not allow anyone to identify your name or other personally identifiable information.
Pursuant to Legal Requirements.FFEBA will disclose your personally identifiable information in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement agency or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law.
To Protect Our Website and Users.We will disclose your personally identifiable information when we reasonably believe disclosure is necessary to investigate, prevent or take action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our company, our employees, our website users or others; or to enforce our website terms and conditions or other agreements or policies.
In Connection With Business Transfers.We may share your personally identifiable information as required by law, such as in response to a subpoena or court order or in the unlikely event of a substantial corporate transaction, such as the sale of FFEBA or our affiliates, a merger, consolidation, asset sale or bankruptcy.
FFEBA uses commercially reasonable physical, procedural and technological security measures to help prevent unauthorized access to and improper use of the information we collect about you. For example, only authorized employees and authorized third parties are permitted to access personally identifiable information, and they may do so only for lawful purposes. When we share aggregate data with third parties we prohibit them from reengineering nonpersonal data to permit identification of individual users. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information. However, no website or Internet network can be completely secure. Although we take steps to secure your information, we do not guarantee, and you should not expect, that your personal information, searches or other communications will always remain secure. Please refer to the U.S. Federal Trade Commission’s website for information on how to protect yourself from identity theft.
If you choose to share contact information with us, you will have the opportunity to update or delete that information or to shut down your account by sending an email to: info@ffeba.com.
You may request to stop receiving communications from us by sending an email to: info@ffeba.com.
Please note that if you opt out of receiving communications from us, you may continue to receive material from Service Providers, and/or other parties to whom we provided your information before processing your request to opt-out of communications. You will need to directly contact those third parties in order to opt out of receiving such communications. You also may opt out of receiving such emails by clicking on the “unsubscribe” link within the text of those third party emails.
Even if you opt out of the sharing of information for the purpose of customizing ads to your interests, FFEBA may continue to collect and use such information for other purposes.
THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEB SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, FFEBA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. FFEBA MAKES NO REPRESENTATION OR WARRANTY REGARDING THE WEB PAGE CONTENT OR ITS USE THEREOF. THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEB SITE COULD INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS AND COULD BECOME INACCURATE BECAUSE OF DEVELOPMENTS OCCURRING AFTER THEIR RESPECTIVE DATES OF PREPARATION OR PUBLICATION. FFEBA HAS NO OBLIGATION TO MAINTAIN THE CURRENCY OR ACCURACY OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEB SITE. YOU ACKNOWLEDGE AND AGREE THAT FFEBA IS NOT, AND SHALL NOT BE, RESPONSIBLE FOR THE RESULTS OF ANY DEFECTS THAT MAY EXIST IN THIS WEB SITE OR ITS OPERATION. AS TO THE OPERATION OF THIS WEB SITE, FFEBA EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. FFEBA MAKES NO REPRESENTATION OR WARRANTY THAT (A) THE OPERATION OF THIS WEB SITE WILL MEET YOUR OR ANY OTHER USER’S REQUIREMENTS; (B) ACCESS TO THE WEB SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS; OR ANY DEFECTS IN THIS WEB SITE WILL BE CORRECTED. YOU AGREE THAT YOU, AND NOT FFEBA, WILL BEAR THE ENTIRE COST OF ALL SERVICING, REPAIR, CORRECTION OR RESTORATION THAT MAY BE NECESSARY FOR YOUR DATA, SOFTWARE.
YOU AGREE THAT UNDER NO CIRCUMSTANCES WILL FFEBA BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY DAMAGES OR INJURY, INCLUDING ANY DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OR ANY DAMAGES OR INJURY CAUSED BY ERROR, INACCURACY, OMISSION, INTERRUPTION, DEFECT, FAILURE OF PERFORMANCE, DELAY IN OPERATION OR TRANSMISSION, TELECOMMUNICATIONS FAILURE OR COMPUTER VIRUS OR OTHER PROBLEM, THAT MAY RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS WEB SITE OR THE WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEB SITE, WHETHER IN AN ACTION ALLEGING BREACH OF CONTRACT, NEGLIGENCE OR ANY OTHER CAUSE OF ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF ANY WEB PAGE CONTENT ON OR AVAILABLE THROUGH THIS WEB SITE. YOU AGREE THAT FFEBA SHALL NOT BE LIABLE EVEN IF WE OR OUR AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. HOWEVER, IN NO EVENT SHALL FFEBA’S TOTAL LIABILITY TO YOU FOR DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, IN ACCESSING OR USING THIS WEB SITE OF WEB PAGE CONTENT THEREON.
Any recommendations or analysis performed or provided on the Web site is not intended to represent financial advice or guarantee future results. Prior to making any investment or financing decisions, please consult a qualified attorney or financial advisor.
Your California Privacy Rights: A Notice to California Users (California Civil Code Section 1798.83). Under the California “Shine The Light” law, California residents may opt-out of LLS’s disclosure of personal information to third parties for their direct marketing purposes. Any California resident may choose to opt-out of the sharing of such personal information with third parties for marketing purposes at any time by sending an email to: info@ffeba.com. For the avoidance of doubt, it is important to understand that this opt-out shall not prohibit any disclosures made for non-marketing purposes.
The site is directed to a general audience and not directed to those under the age of 18. FFEBA asks that minors not submit any personal information. FFEBA does not knowingly collect personal information from individuals under 18 years of age and if we obtain actual knowledge that a user is under 18 years of age, we will take steps to remove that user’s personal information from our systems.
The Online Services is operated in the United States and is intended for users located in the United States. If you are located anywhere outside of the United States, please be aware that information we collect, including personal information, will be transferred to, processed and stored in the United States.
The data protection laws in the United States may differ from those of the country in which you are located, and your personal information may be subject to access requests from governments, courts, or law enforcement in the United States according to the laws of the United States.
By using the Online Services or providing us with any information, you consent to the transfer, processing and storage of your information in the United States. You are also consenting to the application of United States federal and Florida state law in all matters concerning the Online Services and this Policy.
The laws of the State of Florida shall govern any dispute, including those disputes arising from FFEBA’s use of personal information or otherwise relating to privacy. This Policy does not create rights enforceable by third parties.
By inserting your information, you give FFEBA consent to contact you through telephonic, electronic or printed forms of communication. You may always opt out of being contact by sending a written request to info@ffeba.com.
FFEBA is registered with the Federal Government’s SAM, the primary database of vendors doing business with the Federal Government.
Federation of Federal Employee Benefit Advocates (“FFEBA”) is not affiliated, endorsed or sponsored by the Federal Government or any U.S. Government Agency. FFEBA is not a broker dealer, investment advisory firm, insurance company or agency and does not provide investment or insurance related advice or recommendations. FFEBA Network Representatives, which comprises of attorneys, CPAs, financial professionals, are independent practitioners, and are not employed by FFEBA. A FFEBA Network Representative is available upon request.
How much is your annual federal income (in thousands)?
Answer: Your salary is used to determine your federal annuity for retirement as well as used in determining premium cost of FEGLI.
What is your SCD/Hire Date?
Answer: If you did not start in a career position, your service date will be the date that you began your career service. This date is used to determine your eligibility for retirement.
Answer: In order to generate your benefit analysis, we need to know the approximate date that you expect to retire.
How much do you estimate your TSP balance to be?
Answer: Your TSP balance affects the growth of your TSP dollar amount. Your balance may increase or decrease depending on your fund selections.
What percentage or amount from your income you are putting in TSP?
Answer: The government can contribute up to 5% of your salary to the TSP each pay period, as follows: 1% agency automatic contribution paid whether or not you are contributing to the TSP. A dollar-for-dollar match on the first 3% of your salary that you contribute each pay period.
Answer: Your date of birth is a used to determine your eligibility for retirement, and also affects the premium cost for FEGLI.
Answer: However, if you did not start in a career position, your service date will be the date that you began your career service. This date is used to determine your eligibility for retirement.
Answer: Postal Employee’s do not pay the same premiums for life insurance or medical insurance.
Do you have Option A?
Do you have Option B?
Answer: Option B is additional coverage that will increase your death benefit up to (1) one,(2) two, (3) three,(4) four, or (5) five times your basic annual pay. In choosing this election your cost of premium will increase.
Did you choose Option C for your spouse?
Answer: You may choose Option C to provide your spouse with life insurance. You may choose (1) one, (2) two, (3) three, (4) four or (5). These options provide different coverage amounts for the death benefit. All eligible family members are automatically covered.
Did you choose Option C for a dependent?
Answer: You may choose Option C to provide your dependent(s) with life insurance. You may choose (1) one, (2) two, (3) three, (4) four or (5). These options provide different coverage amounts for the death benefit All eligible family members are automatically covered.
About how many unused sick leave hours do you have?
Answer: Your unused sick time affects the dollar amount of your federal annuity upon retirement. Any unused sick time remaining on the day you retire is added as service time in the federal annuity calculation.