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Retirement Coverage for New Hires

Depending upon your current appointment and employment history, you may be covered by the Civil Service Retirement System (CSRS), CSRS Offset, the Federal Employees Retirement System (FERS), or Social Security coverage, only. If this is your first Federal appointment, and it is not limited to one (1) year or less, in most cases, you will be covered by FERS. An overview of each retirement system follows:

Social Security

What is Social Security? The term "Social Security" means benefit payments provided to workers and their dependents who qualify as beneficiaries under the Old-Age Survivors, and Disability Insurance (OASDI) programs of the Social Security Act. OASDI replaces a portion of earnings lost as a result of retirement, disability, or death. It is designed to provide benefits that replace a greater percentage of earnings for lowerpaid workers than for higher-paid workers. This means that Social Security benefits are more important for lower-paid workers than higher-paid workers.

Electronic Retirement Package

This section provides forms you must complete and return to the Human Resources Division (HRD) to effect your retirement. In addition, numerous sites have been identified to provide you with information on a variety of retirement related issues. You are encouraged to view the information and discuss your concerns with the retirement counselor who provided your annuity estimate. If you are considering retirement and have not received an annuity estimate, you should contact the HRD Call Center at 301-763-HR4U (4748) to obtain an estimate.

Select your current retirement coverage:

Thrift Savings Plan (TSP) Post-Retirement Information