Benefit Orientation for Hazardous Duty Employees

The FERS benefit package requires that employees understand their benefit package and what their responsibilities are early in their career, this is particularly true for employees in hazardous duty positions. In FERS a hazardous duty employee can retire at any age with 25 years of certified service or at 50 with 20 years. Therefore, they can have a retirement that is much longer than their federal career.

We have tailored the Benefit Orientation to cover the provisions that are unique to hazardous duty employees. Of course, the general provisions applicable to all FERS employees are also covered.

Subjects Covered:

Understanding the Service Computation Dates

Hazardous Duty Retirement SCD
Retirement SCD
Leave
Length of Creditable Service

General Rules
Military Service Deposit Rules
Deposit Rules

What Part of Your Pay Counts in Your Benefit Package For

High-3 Average Salary
FEGLI Value
TSP Contributions
Locality
LEAP
AUO
Straight Rate on Overtime for GS-081 Firefighters

Basic FERS Benefit Package

When Payable
How Computed
Annuity Supplement

When Payable
How Computed
Earnings Tested
Disability Package

Work-Related
Not Work-Related
Survivor’s Benefits

Death-in-Service (Work-Related)
Death-in-Service (Not Work-Related)
Options at Retirement

Thrift Savings Plan

Participate Early — Compounding of Interest
Investment Options
Withdrawal Options & Timing
Federal Employees’ Group Life Insurance Rules & Options
Federal Employees’ Health Benefits Plan Rules & Options

Flexible Spending Accounts
High Deductible Health Plans with Health Savings Accounts
Leave Programs

Annual
LWOP
Military
Leave Bank or Transfer Program
Sick
Family and Medical Leave
Social Security Basics

Each of the following courses are also available tailored for hazardous duty employees:

Prime Time Planning (2 Days)
Federal Benefits Seminar for Life Planning (2 Days)
Retirement Planning Briefing (1 Day)
Retirement Planning Seminar (2 Days)
Retirement Planning Workshop (3 Days)

Law Enforcement Officers and Firefighter provisions may be combined or covered independently. Additionally, Firefighters in the GS-081 series provisions are covered separately. Please let us know which provisions apply to your participants. The reference materials and presentation are customized for each

S. Harman & Associates, Inc.

	"The best presentation of it's kind that I have experienced in 33 ½ years of government service."

	"Clear presentation of vital information."

	"Presentation was very good, instructor was excellent, used very good examples and answered all questions."

	"It was great having CSRS and FERS separate."

	"I am CSRS my spouse is FERS we got so much more from this seminar than an other we had attended it was great to hear about CSRS and FERS but not jump back & forth."

	"Top notch seminar - It was an excellent Federal bonus."

	"Shock at what I have learned about retirement. You thought you were ready until you attend this seminar, then your whole outlook about retirement changes."

	" Best seminar on retirement I have ever taken."

	"Every employee should be required to attend."

	"Good advice, open frank discussion very necessary seminar for all employees."

	"This is something that everyone needs to attend more often or well before considering retirement ."