Organize Your FERS, TSP, FEHB, FEGLI, Survivor Protection, and Retirement Income Questions Before You Make Major Benefit Decisions.
This educational assessment brings key federal benefit topics into one place—including FERS, TSP, FEHB, FEGLI, survivor considerations, taxes, and retirement income—so you can organize your information and identify questions you may want to review before making major benefit decisions.
Educational assessment only. Not affiliated with OPM, TSP, FEHB, FEGLI, Medicare, Social Security, or any federal agency.
Federal benefits can look strong on paper, but the real question is whether the pieces work together for the household. Pension income, TSP withdrawals, healthcare coverage, life insurance, survivor elections, taxes, and timing decisions can each look manageable on their own.
The risk appears when those decisions are made separately.
This assessment helps organize the major benefit areas before retirement, resignation, separation, or income decisions are made, so the conversation starts with better questions and clearer documents.
Your FERS pension may be the foundation of your federal retirement, but the number is only as reliable as the records behind it. High-3 salary, creditable service, retirement age, and timing can all change the income picture.
This section helps organize whether your projected pension looks clear, documented, and ready to support the next chapter.
Your TSP may become the flexible part of your retirement income plan. It may need to help bridge income gaps, support Roth or traditional tax decisions, protect liquidity, and coordinate with pension and Social Security timing.
This section helps identify whether your TSP is simply accumulating — or actually being positioned for future income.
Healthcare is often the benefit people assume will “just continue” — until timing, eligibility, spouse coverage, Medicare, or cost questions appear. FEHB can be valuable, but it should be reviewed before retirement or separation decisions are finalized.
This section helps organize the healthcare questions that may affect household stability later.
FEGLI can provide useful coverage, but coverage alone does not answer the full protection question. Elections, cost changes, continuation rules, beneficiaries, debts, and survivor needs should be reviewed together.
This section helps organize questions about coverage, beneficiaries, continuation, costs, and household needs.
A federal retirement decision can affect more than the employee. A spouse, children, dependents, mortgage, healthcare coverage, beneficiary records, and household income may all depend on choices made before retirement.
This section helps organize the protection questions that matter if life changes suddenly.
The gross retirement number is not the spendable number. Pension income, TSP withdrawals, Social Security timing, Roth and traditional balances, state taxes, healthcare costs, and future tax thresholds can all affect what the household actually keeps.
This section helps shift the conversation from “What do I receive?” to “What can I reliably use?”
After completing the assessment, you receive an educational readiness snapshot designed to help organize the conversation around your federal benefits picture.
Federal benefits involve multiple programs, elections, timelines, and documents. These questions explain what the assessment covers and why reviewing your pension, TSP, healthcare, life insurance, survivor protection, taxes, and records together may be useful before making a major federal service decision.
The Federal Benefits Readiness Assessment is an educational tool designed to help federal employees, retirees, recently separated employees, and spouses organize key benefit questions before major decisions are made. It covers areas such as FERS, TSP, FEHB, FEGLI, survivor protection, Social Security timing, taxes, healthcare continuity, and document readiness. It does not calculate or provide official benefit determinations and does not replace guidance from the appropriate federal agency or other qualified professionals.
This assessment is designed for current federal employees, federal retirees, employees preparing to leave federal service, spouses, and household decision-makers who want to better understand and organize federal benefit questions. It may be particularly useful when preparing for retirement, resignation, separation, or a benefits review, or before discussing benefit decisions with HR, OPM, TSP, Medicare, Social Security, tax, legal, insurance, or financial professionals.
No. The assessment may include a preliminary educational FERS estimate based on information you provide, such as high-3 average salary, years of creditable service, and planned retirement age. An official retirement benefit calculation may involve additional factors, including applicable FERS provisions, service history, unused sick leave where applicable, survivor elections, reductions, deductions, and OPM processing. Any estimate provided by the assessment is for educational purposes and is not an official pension calculation.
These benefits can interact with one another and with other household decisions. FERS may provide pension income, TSP may provide another source of retirement assets or income, FEHB may affect healthcare coverage, and FEGLI may provide life insurance coverage. Survivor elections can also affect retirement income and benefits available to a spouse or other eligible survivor. Reviewing these areas together can make it easier to identify questions, timing considerations, and decisions that may affect more than one part of the household’s benefits picture.
The assessment reviews TSP topics at an educational level, including account information, contributions, Traditional and Roth balances where applicable, outstanding TSP loans, beneficiary information, and awareness of withdrawal and distribution considerations. It does not provide investment advice or recommend how TSP funds should be invested. The purpose is to organize TSP questions alongside retirement income, taxes, survivor considerations, healthcare, and other federal benefit decisions.
The assessment reviews FEHB topics such as current enrollment, individual or family coverage, retirement-continuation considerations, Medicare coordination questions, and healthcare needs that may affect the household. Eligibility to continue FEHB into retirement is governed by federal rules and individual circumstances. The assessment does not determine eligibility or replace guidance from OPM or the employing agency; it helps organize the questions and information that may need to be reviewed before retirement or separation decisions are made.
The assessment reviews FEGLI at an educational level, including current Basic and Optional coverage, beneficiary considerations, retirement-continuation questions, potential coverage reductions, premium considerations, and how existing life insurance may relate to household protection needs. FEGLI rules and available elections can differ by coverage type and individual circumstances. The assessment does not determine eligibility or recommend a particular FEGLI election; it helps organize the questions to review with the appropriate federal benefits resources and, when appropriate, a qualified insurance professional.
Federal retirement decisions can affect benefits available to a spouse or other eligible survivors. Survivor annuity elections may affect the retiree’s pension income, the income available to an eligible survivor after the retiree’s death, and, in some circumstances, a surviving spouse’s ability to continue FEHB coverage. Beneficiary designations, life insurance, other household income, dependents, and existing protection should also be considered. The assessment helps organize these questions but does not determine survivor eligibility or recommend a particular survivor election.
Helpful records may include your most recent federal benefits or retirement estimate, employment and service history, records that may help establish your high-3 average salary and creditable service, TSP account information, TSP beneficiary information, FEHB enrollment information, FEGLI coverage and beneficiary information, Social Security information, spouse or survivor benefit information, and relevant retirement, resignation, or separation documents. The specific records needed will depend on the questions being reviewed
No. The Federal Benefits Readiness Assessment is an educational tool and does not replace official information or benefit determinations from OPM, an employing agency, TSP, Medicare, Social Security, or other government sources. It also does not provide legal, tax, or investment advice. Insurance information, when discussed, is educational unless provided separately by an appropriately licensed insurance professional. The assessment is designed to help organize information and questions so individuals can identify topics they may want to review with the appropriate agency or qualified professional.
Your federal benefits may include retirement income, healthcare coverage, life insurance, and survivor benefits. Understanding how these pieces may interact can make it easier to organize the questions that matter before a major decision.
This assessment helps you organize key benefit questions related to retirement, resignation, separation, healthcare, insurance, taxes, and survivor considerations.
Important educational disclosure: This tool provides general educational information only. It does not provide an official benefit determination, financial plan, investment recommendation, insurance recommendation, legal advice, tax advice, medical advice, or a guarantee of eligibility, coverage, benefits, savings, income, performance, or results. Estimates and educational observations depend on the information entered and may be incomplete or inaccurate. Verify benefit, retirement, healthcare, tax, insurance, and eligibility information with the appropriate government agency, plan administrator, carrier, employer, benefits office, or appropriately licensed professional before acting. AltaVida Capital is not affiliated with, endorsed by, sponsored by, or approved by any government agency or benefits program.
