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Retirement
Federal Employees Retirement System:
For permanent employees who were first employed with the federal government after 1983.
 
FERS is a three-part plan:
 

Social Security: You pay a percentage of your salary for Social Security. You will be eligible to receive monthly Social Security benefits when you are 62 or have reached your minimum retirement age and have enough quarters of Social Security coverage.

 

Defined Basic Benefit Plan: You pay a percent of your salary into this retirement fund, which will provide a monthly retirement benefit when you are eligible to retire. This benefit is based on a high-three average salary and length of service.

Retirement Coverage
Affected Individuals
 
Standard Employee Contribution Rate
FERS
Employees first hired on/after 1/1/19871
 
.8%
FERS-RAE
Employees first hired on/after 1/1/20132
 
3.1%
FERS-FRAE
Employees first hired on/after 1/1/20142
 
4.4%
  1. Or rehired after that date with less than 5 years creditable or potentially creditable service under CSRS
  2. Or rehired after that date with less than 5 years creditable or potentially creditable service under FERS

 

Thrift Savings Plan: The agency will contribute an amount equal to 1 percent of your basic pay each pay period and will match up to 5 percent of your contribution, which includes the 1 percent automatic contribution. This is a tax-deferred savings plan.

​For additional retirement services information please visit OPM.gov.