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Pay raises, retirement planning, and benefits — expert guidance for every stage of your federal career, sourced and updated for 2026.

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328 articles · page 4 of 14
Pay & Compensation
Feds Get 0%, Military Gets 7%: The 2027 Pay Gap's Pension Cost
The 2027 budget proposes 0% for civilian feds and 5-7% for military, the widest gap in the modern GS era. See the year-by-year data and the High-3 pension hit.
26 days ago
7 min read
Policy Updates
Federal NDA Rights 2026: What Your Agency Can't Make You Waive
A federal NDA can restrict confidential information, but it can't strip your whistleblower rights. The anti-gag statute, the OPM NDA's flaw, and a before-you-sign checklist.
26 days ago
8 min read
Retirement
Your $45,000 Federal Pension Really Pays ~$2,565 a Month
OPM quotes a gross annuity, but survivor election, FEHB, and taxes take a big bite. See the gross-to-net waterfall by pension size and what actually hits your bank.
26 days ago
7 min read
Policy Updates
SAVE Plan Is Dead: Federal Employees Have Until Sept. 30 to Act
The SAVE student loan plan is gone. Federal employees in forbearance have 90 days to pick IBR or RAP before auto-enrollment. GS-grade payment table inside.
26 days ago
8 min read
Policy Updates
Schedule Policy/Career and Student Loans: $85,000 in Hidden Risk
Reclassified to Schedule Policy/Career? You face two student-loan risks: SLRP clawback and PSLF timing traps. The mechanics, the dollar exposure, and the fixes.
26 days ago
7 min read
Policy Updates
Federal Agency Cuts 2025-2026, Ranked: Who Lost the Most
Ranked: which federal agencies cut the most jobs in 2025-2026. USAID lost ~97%, IRS ~30%, VA ~27,000. Headcount, percentages, and sources by agency.
30 days ago
10 min read
Retirement
2 Mistakes That Derail Your Federal Retirement Application
The two errors that send OPM retirement applications to the slow queue: unpaid service deposits and the FEHB 5-year gap. A pre-submission checklist for 2026.
30 days ago
9 min read
Policy Updates
GAO: Probationary Feds Hit Hardest in 2025 Separations
GAO-26-108557 found probationary employees separated at 19% vs 15% for all staff in 2025. TSA hit 47%. Your appeal rights, the court rulings, and what to do.
30 days ago
9 min read
Policy Updates
VSIP Buyout Cap 2026: What H.R. 7256 Would Change
The $25,000 federal buyout cap hasn't risen since 1993. H.R. 7256 would tie it to 6 months of salary. What the bill does, the tax math, and where it stands.
30 days ago
7 min read
Policy Updates
IRS Compressed Schedules End July 25: Your AWS Rights
IRS is halting compressed work schedules July 25, 2026. Here's what 4/10 and 5/4/9 rights federal employees actually have, agency by agency, and what you can do.
Jun 14, 2026
9 min read
Retirement
When a Federal Retiree Dies: 2026 Survivor Checklist
OPM is hard to reach in 2026. Here's the step-by-step checklist survivors of a federal retiree need: who to call, which forms, and what to do first.
Jun 14, 2026
10 min read
Retirement
The FERS Supplement 62 Cliff: When to Claim SS
The FERS supplement ends at 62, whether or not you claim Social Security. Here's the income cliff and the break-even math for 6(c) retirees deciding when to file.
Jun 14, 2026
9 min read
Policy Updates
OCC Buyout vs. RIF: The 2026 Severance Trap
OCC is offering a summer 2026 buyout (VTP) before a RIF. Refusing it could mean a smaller payout, unless you qualify for retirement. Here's the decision framework.
Jun 14, 2026
8 min read
Policy Updates
In a RIF, Your Bump Rights Stop at Your Building
Your RIF bump and retreat rights only reach inside your competitive area, which may be just your office. Here's how the boundary decides who survives a layoff.
Jun 14, 2026
8 min read
Policy Updates
Schedule F Guide 2026: 8,000 Positions Now Reclassified
EO 14410 reclassified ~8,000 positions into Schedule Policy/Career on June 3, 2026. What changes, what doesn't, and the action checklist for every career fed.
Jun 12, 2026
16 min read
Policy Updates
Schedule P/C Acknowledgment Form: Sign or Refuse? (2026)
Agencies are handing ~8,000 reclassified employees a Schedule P/C form this week. OPM says refusal can't trigger punishment. What to do before you sign.
Jun 12, 2026
9 min read
Policy Updates
Is Your Job on the 8,000-Person Schedule Policy/Career List?
The 8,000-position at-will list is public. Here's the exact step-by-step to check if your federal job is on it, using your SF-50 and the White House appendix.
Jun 12, 2026
13 min read
Policy Updates
Schedule Policy/Career Benefits: FEHB, TSP, FERS and Severance
Schedule Policy/Career is now active for roughly 8,000 positions. Your FEHB, TSP, and FERS rules mostly stay the same, but job-security timing changes the math.
Jun 12, 2026
15 min read
Retirement
Divorce After Federal Retirement: Annuity, Survivor, FEHB
Divorcing after you've retired runs on different rules: your survivor election cancels automatically, a 2-year fix window, and OPM won't pay retroactively.
Jun 10, 2026
8 min read
Policy Updates
EEOC's New Priorities: What Changes for Federal Workers
The EEOC adopted a new enforcement plan June 4, 2026. Which complaints get backed, which get deprioritized, and what happens to your pending EEO case.
Jun 10, 2026
9 min read
Retirement
Federal Law Enforcement Retirement: 6c Rules Explained
The 6c enhanced FERS formula pays LEOs 1.7% per year, retirement at 50, and an earnings-test-free supplement. The rules, the math, and the coverage trap.
Jun 10, 2026
9 min read
Policy Updates
Federal Science Brain Drain: A Generational Loss in Data
118,000 science-agency employees gone, 10,109 PhDs out in one year, NIH grants down 66%. The agency-by-agency numbers behind the generational loss.
Jun 10, 2026
8 min read
Pay & Compensation
$4,080 Tax-Free: The Federal Transit Subsidy Under RTO
The federal transit subsidy pays up to $340/month tax-free, worth a $6,240 raise for some feds. How TRANServe works in 2026 and how to enroll this week.
Jun 10, 2026
8 min read
Benefits
FEHB Self Plus One vs Family: 2 in 5 Rates Are Inverted
FedTools analyzed all 478 OPM 2026 rate combos: 196 charge Self Plus One MORE than Self & Family, up to $1,738/yr. The table, the why, and how to switch.
Jun 10, 2026
7 min read

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