BIRDSEYE FINANCIAL SERVICES (360) 722-7889
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    • Volatility Buffer >
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    • Educational Webinars >
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      • Five Key Areas of Retirement
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      • Social Security Webinar
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      • Federal Benefit Kit
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      • Medicare Questionnaire
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    • Slides - Intro Step >
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      • Slides - Income
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      • Slides - ALL
  • Contact
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FEDERAL BENEFITS OVERVIEW
Introduction
LEARN MORE
FREE Benefit kit
FERS
CSRS
FEGLI
TSP
FEHB
SSB
FEDERAL BENEFITS OVERVIEW
OPM (Office of Personal Management)
  • Phone - 888-767-6738
  • E-mail - retire@opm.gov
  • Website - https://www.servicesonline.opm.gov
  • Retirees - https://www.opm.gov/healthcare-insurance/Guide-Me/Retirees-Survivors/
 
TSP (Thrift Savings Plan) – like a 401K
- TSP Website with Login
- Vesting Details

- FUND Details and FUND Chart
  • L FUND - Lifecycle Fund (Lifecycle 2025, 2030, 2035, 2040, to 2065 and Retired L)
  • G FUND – Government Securities
  • F Fund – Fixed Income (Bonds)
  • C Fund – Common Stocks
  • S Fund – Small Cap Stock
  • I Fund – International Stocks
 
CSRS / FERS – Pension Options
- Civil Service Retirement System
- Federal Employees Retirement System
  • CSRS – Higher Pension and NO Social Security or TSP
  • FERS – Smaller Pension plus TSP and Social Security and Disability Benefits
    • Highest 3 years Average basic pay
    • UNDER 62 – 1 percent of your high-3 average salary for each year of service
    • Age 62+ - 1.1 percent of your high-3 average salary for each year of service
  • FERS SPECIAL - Air Traffic Controllers, Firefighters, Law Enforcement Officers, Capitol Police, Supreme Court Police, or Nuclear Materials Couriers
    • 1.7% of your high-3 average salary multiplied by your years of service which do not exceed 20, PLUS
    • 1% of your high-3 average salary multiplied by your service exceeding 20 years
FERS Supplement
  • Money before Social Security kicks in


SSB (Surviving Spousal Benefit)
Website - 
  • 50% cost of 10%
  • 25% cost of 5%
  • 0% cost Nothing

FEHB (Federal Employee Health Benefit)
Website - https://www.opm.gov/healthcare-insurance/​
IN THIS SECTION
  • Life Events
  • Changes in Health Coverage
  • Healthcare
  • FEHB Plan Comparison Tool
  • Dental & Vision
  • FEDVIP Plan Comparison Tool
  • Life Insurance
  • Flexible Spending Accounts
  • Long Term Care
  • Multi-State Plan Program
  • Tribal Employers
  • Special Initiatives
  • Insurance Glossary
  • Insurance FAQs
  • Contact Healthcare & Insurance
  • The Affordable Care Act
 
FEGLI  (Federal Employee Group Life Ins)
Website - 
https://www.opm.gov/healthcare-insurance/life-insurance/
  • Term Life Insurance ( 1 year to 6 times salary)
  • Basic = Annual pay (Example with $57,100 you receive $60K using the formula) – you pay 2/3 of cost
  • Optional Coverage types
    • A = Employee for 10K
    • B = Life of Employee (can elect upto 5 times annual salary)
    • C = Life of employees spouse $5K and kids for $2K (can elect up to 5 multiples)
For complete details, visit www.opm.gov
  • Option A 2016 Rates
  • Option B 2016 Rates
  • Option C 2016 Rates
Contact your human resources office.  The office that maintains your Official Personnel Folder (OPF) or its equivalent is the only office with access to your FEGLI life insurance records. If you do not know what office that is or how to contact them, check with your supervisor.

You can also look on a copy of your most recent Standard Form 50, Notification of Personnel Action, to determine the coverage you currently have:
  • In Block 27 on that form, there is a 2-character code that represents your current coverage and a definition of the code. 
  • You can look up the SF50 codes and what they mean.
  • You can then use the FEGLI Calculator to determine the current value of your FEGLI by inputting your current age, salary and type(s) of FEGLI coverage. 
  • If you wish to change your FEGLI life insurance beneficiaries, complete this form and submit it to your human resources office: www.opm.gov/forms/pdf_fill/sf2823.pdf
TSP Video Education
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FEGLI Education
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REQUEST a Federal Benefits Kit (FREE)
Federal Employee Benefit Planners LLC, ​and Birdseye Financial INC, and the website contents are not affiliated nor owned by any U.S. government agency or affiliate.  The information provided on www.federalbenefitsnow.com and www.birdseyefinancial is for informational purposes only and is not intended to be a source of advice or credit analysis with respect to the material presented. The information and/or documents contained on this website do not constitute legal or financial advice and should never be used without first consulting with an insurance and/or a financial professional to determine what may be best for your individual needs. Federal Employee Benefit Planners LLC, Birdseye Financial, the publisher and the author of this website do not make any guarantee or other promise as to any results that may be obtained through the information and services offered.  You should never make any investment decision without first consulting with your own financial advisor and conducting your own research and due diligence. To the maximum extent permitted by law, the publisher and the author disclaim any and all liability in the event any information, commentary, analysis, opinions, advice and/or recommendations contained in this book prove to be inaccurate, incomplete or unreliable, or result in any investment or other losses.  Although the author and publisher have made every effort to ensure that the information found on this website are correct at press time, the author and publisher do not assume and hereby disclaim any liability to any party for any loss, damage, or disruption caused by errors or omissions, whether such errors or omissions result from negligence, accident, or any other cause. Content contained or made available through this website do not intended to and does not constitute legal advice or investment advice and no attorney-client relationship is formed. The publisher and the author are providing the website and its contents on an “as is” basis. Your use of the information on this website is at your own risk.
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ONLINE MEETING LINKS
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Birdseye Financial
​
136 Hillside Drive E
Burleson, TX 76028
Main # 360-722-7889
Texas # 817-704-3544
Fax #425-412-6865

​
INFO@BIRDSEYEFINANCIAL.COM

birdseyefinancial.com
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The content of the Birdseye Financial website, email, fax, social media, text messages, online meetings, and phone calls are for educational purposes only. Any material and its attachments, links, downloads, and/or any emails from Birdseye Financial employees/contractors are not intended to provide legal or tax advice. To ensure compliance with requirements imposed by the IRS, we inform you that any U.S. federal or state tax advice contained in communication (via Website, Email, Fax, Text, Social Media, in person, or by phone) is not intended to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing, or recommending to another party any transaction or matter addressed herein. Please seek the advice of appropriately licensed individuals for legal or tax advice relating to your individual situation. Birdseye Financial and its employees/contractors are not tax, legal, or investment advisors and are not operating in such a manner. Any advice you receive should be taken as non-tax, not legal, and non-investment advice and only educational in nature. Should our clients need a licensed investment advisor, we recommend LifePro Asset Management. Please know investments in the market carry an inherent element of risk. No investment in the market or strategy can guarantee a profit or prevent a loss. Any illustrations used in the sales or service process are to be considered hypothetical and for explanatory purposes only. 

MEDICARE MANDATORY DISCLAIMER
“We may not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all your options.” All calls regarding Medicare may be recorded by phone or online and a SCOPE of appointment required by Medicare will be obtained 48 hours prior to any sales meeting to discuss plan details. (NOTE - The organizations and plans can vary by state and county, we can validate these numbers upon request.)

Birdseye Financial and its employees/contractors are not employees/contractors of Medicare, the government, insurance company or any other agency. We are independent licensed agents. All calculators and illustrations shown or sent from our website, email or any other means are designed to be informational and educational only. They do not constitute investment advice. We encourage you to review your insurance and investment strategies periodically as your financial circumstances may change. On many products it is important to note that PAST PERFORMANCE IS NO GUARANTEE OF FUTURE RESULTS OR INTENDED TO PREDICT ACTUAL PERFORMANCE. ACTUAL INTEREST CREDITING RESTULTS WILL VARY BASED ON MARKET CONDITIONS, INDEX ALLOCATIONS, AND INTEREST CAPS, RATES, SPREADS, PARTICIPATION RATES and possible Fees. The use of different time periods and funding amounts can cause results to differ from other products. Illustrations may be based on hypothetical historical data. 
 
State Licenses
LICENSES: AZ #7101306, CA #4140429, FL #W825259, GA #3621424, ID #863617, KS #7101306, MA #2176921, NV#3879853, NC #7101306, OK #3001663224, OR #7101306, TX #2695866, WA #190780. Note that in California, our DBA is Birdseye Financial and Insurance Services.


S&P 500 and S&P are registered trademarks of Standard and Poor's Financial Services LLC. No annuity or financial product discussed herein is sponsored, endorsed, sold, or promoted by Standard and Poor's Financial Services LLC, S&P Dow Jones Indices LLC, or their affiliates, and none of the Stand and Poor's Financial Services LLC, S&P Dow Jones Indices LLC, or their affiliates make any representation regarding the advisability of purchasing an insurance or financial product. This applies to all indexes used.
  • Home
  • About
    • Welcome to Birdseye
    • Who We Are
    • Risk & Portfolio Assessment
    • Request Free Consultation
  • Strategies
    • Key Components
    • Inflation Impact
    • Rule of 100
    • Sequence of Returns
    • Volatility Buffer >
      • Volatility Buffer Webinar
    • Tax Strategies >
      • Tax Free Income
      • RMD Calculator
      • IRA RMD RULES
      • ROTH IRA
      • ROTH Conversion
      • Tax Declassified Webinar
      • Qualified Charitable Donation
      • Business Tax Credit
    • Educational Webinars >
      • Taxes Declassified
      • Top 10 IRA Mistakes
      • Taxes in Retirement
      • 3 Economic Strategies
      • Five Key Areas of Retirement
    • Educational Videos
    • Documentaries
    • Recommendations
  • Planning
    • Retirement Analysis
    • Social Security >
      • Social Security Webinar
    • Pension Maximization
    • Risk Analysis and Investments
    • LifePro Asset Management >
      • LifePro Questionnaire
    • Federal Benefits >
      • Federal Benefit Kit
    • WA Retirement Systems
    • Business Tax Credit >
      • Research & Development Tax Credit
      • Employee Retention Tax Credit
      • Resources
  • Insurance
    • Medicare >
      • Medicare Questionnaire
      • Medicare Clients
      • Medicare Enrollment
      • Medicare Networks
      • PEBB Benefits
      • Medicaid Special Needs
      • Medicare Rules
      • Medicare Meetings
      • Medicare Education
    • Annuities
    • Long-Term Care
    • Life Insurance >
      • Multi-Generational
      • Premium Financed
      • Final Expense
    • Health Insurance
    • Dental Insurance
    • Vision Insurance
  • Tools
    • Financial News Blog
    • Market Index Links
    • Market Simulations
    • Required Minimum Dist (RMD Calculator)
    • Calculators
    • Professional Referrals
    • Bankrate Interest Rates
    • Rate of Return Calculations
    • Zillow Home Value
    • Slides - Intro Step >
      • Slides - Hegna
      • Slides - Strategy
      • Slides - Taxes
      • Slides - Invest
      • Slides - Buffer
      • Slides - FIA
      • Slides - Income
      • Slides - Pension
      • Slides - ALL
  • Contact
    • Free Consultation
    • Schedule Appointment
    • Online Meeting
    • Secure Upload
    • Retirement Analysis (initial)
    • Retirement Software Client Portal
    • Application
    • Beneficiary Form
    • Rate our Service
    • Refer a Friend