Introduction

Retirement. . . a time for reflection, rest, and enjoyment . . . a rewarding time. But, a rewarding retirement doesn't just happen. It takes careful planning. Knowing when you can retire and where you will stand financially are important parts of that planning process. The financial security you will have in the future depends, in part, on the plans you make today.

Recognizing the importance of your future, the Federal Government offers a retirement program that helps provide financial security for you and your family. You are a participant in the Federal Employees Retirement System (FERS). This is one of the most important benefits you receive as a Federal employee.

FERS is a retirement system that is responsive to the changing times and Federal work force needs. Many of its features are "portable," so that if you leave Federal employment, you may still qualify for the benefits. FERS is flexible; you will be able to choose what is best for your individual situation. And FERS enables you to take an active role in securing your future. This booklet highlights the main features of the Federal Employees Retirement System (FERS).

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Updated 14 May 1998