Federal benefits are generous and complicated, and federal employees look for plain explanations. These posts each take one benefit and explain it in a few sentences.
Under FERS, your agency puts 1% of your pay into your TSP automatically. It also matches what you put in, up to 4% more. To get the full 5% from your agency, you need to contribute at least 5% yourself. Check your contribution rate this week. Details at tsp.gov.
Your FERS pension is generally 1% of your high-3 average salary for each year of service. If you retire at 62 or older with at least 20 years, it's 1.1% for each year instead. That can make a real difference when you pick a retirement date. Details at opm.gov.
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Open Season comes around each fall, and it's the one time a year you can change many of your federal benefits. Four things to check before it ends. Compare what your FEHB plan will cost next year. Check that your doctors are still covered. Look at dental and vision. Decide whether to sign up for a flexible spending account, since FSAFEDS elections don't carry over.
Three numbers for federal employees in 2026. You can put up to $24,500 into the TSP. At 50 or older you can add $8,000 more. And you can put up to $7,500 in an IRA. Figures from the IRS 2026 contribution limits.
Some federal employees think the pension will carry them in retirement. FERS was built with three parts, the pension, Social Security and the TSP. For many people the pension alone doesn't cover retirement, so the TSP matters a lot. Look up your pension estimate so you know what the other two need to cover.
Type your website. In about a minute Watt writes 3 posts for your firm, with your colors, fonts and logo. Free, no sign-up.
Nothing posts without your approval.How their own benefits work, like the TSP match, the FERS pension and FEHB, and how those pieces fit together in retirement.
Use them as a starting point. Change the wording to sound like you, check the figures for the year you post, and run them through your firm's compliance review before they go out.
Use official rules with their source, avoid predictions about policy changes, and keep fund choices and timing for one-on-one conversations.
The graphics on this page were made by Watt for Maple Street Wealth, a sample firm. Figures are for 2026 and come from the sources named in each post. Check them for the year you post.