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Pay and Benefits


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Social Security offers a comprehensive benefits program that you can customize for your individual medical and financial needs. In addition to traditional "dollars and cents" benefits, we offer a range of benefits to help you balance life with Social Security to life outside of work.

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Most Social Security employees are paid according to the General Schedule (GS) Classification and Pay System. Because the cost of labor differs throughout the country, your salary may differ, depending on your work location. The Office of Personnel Management publishes current GS and Locality Pay Tables. Some professionals, including most IT professionals, are paid special salary rates.



New Federal employees participate in the Federal Employees Retirement System--a comprehensive contributory retirement program. In addition, employees are eligible to contribute to the Thrift Savings Plan, similar to the 401(k) offered in the private sector. Under the TSP, up to 15% of your pre-tax income can be saved for retirement. In addition to your contribution, Social Security will help your nest egg grow with an up to 5% matching contribution. Additional details are available on the TSP website.


Health Benefits

Social Security will provide affordable health insurance for you and your family. Depending on your work location, you will have the opportunity to choose between several fee-for-service, health maintenance organization (HMO), and point-of service (POS) plans--a menu of choices unmatched in the private sector.

Life Insurance
Group life insurance is available to Social Security employees at a discount. Under the Federal Employees Group Life Insurance program, the Federal government will contribute about 20% of the cost for basic life insurance. Additional coverage plans are also available.  
Flexible Spending Accounts

Flexible Spending Accounts (FSA), sometimes referred to as cafeteria plans, allow you to set aside money, on a pre-tax basis, for certain kinds of out-of-pocket health and dependent care costs. With an FSA, you can reduce your taxes while paying for services you would have to pay for anyway. FSAs allow for a maximum annual contribution of $4,000 for payment of certain health care and dental expenses and $5,000 for payment for eligible dependent care expenses.

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Last reviewed or modified Monday Jan 14, 2008
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