August 2018 NARFE Magazine

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COVER STORY

PREPARING CIVIL SERVICE

FOR THE FUTURE AN INTERVIEW WITH JEFF PON

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Volume 94 • Number 8

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PIECING TOGETHER YOUR SOCIAL SECURITY

Federal Employee Program

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Beltone is made available through Blue365, which provides exclusive health and wellness deals and is a program of Blue Cross Blue Shield Association, an association of independent Blue Cross and Blue Shield Companies. Beltone is an independent company providing discounts on hearing aids. © 2017 GN Hearing Care corporation. All rights reserved. Beltone is a trademark of GN Hearing Care Corporation. Apple, the Apple logo, iPhone, iPad, iPod touch and Apple Watch are tradmarks of Apple Inc., registered in the U.S. and other countries.

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WASHINGTON WATCH

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August Is Grassroots Advocacy Month

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Executive Orders Target Federal Unions, Merit System

8

New TSP Withdrawal Options Slated for September 2019

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Legislation Introduced to Protect Feds From Identity Theft

10

President’s Management Agenda Reviewed in Committee

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NARFE Bill Tracker

COLUMNS

COVER STORY JEFF PON. Learn about issues affecting federal employees and retirees and what the Office of Personnel Management (OPM) is looking into in this Q&A with the new OPM director Jeff Pon.

4

From the Executive Director

44 Managing Money DEPARTMENTS

16 Questions & Answers 46 For the Record

30

PIECING TOGETHER YOUR SOCIAL SECURITY: PART ONE. James Marshall helps you better understand Social Security while going through the qualifications.

48 NARFE News 56 The Way We Worked SPECIAL

On the Web

40 The Federal Family

VISIT US ONLINE AT:

www.narfe.org LIKE US ON FACEBOOK:

NARFE National Headquarters FOLLOW US ON TWITTER:

@narfehq

ON THE COVER

Photo by Mike Theiler Cover by GRAPHEK W W W. N A R F E . O R G

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AUGUST 2018 | Volume 94 | Number 8

EDITOR Helen Mosher ASSISTANT EDITOR Christopher Johnson COMMUNICATIONS ASSISTANT Precious Dorch-Robinson GRAPHIC DESIGN GRAPHEK EDITORIAL BOARD Richard G. Thissen, Jon Dowie, Barbara Sido EDITORIAL OFFICE: NARFE Magazine 606 North Washington St. Alexandria, VA 22314-1914 Phone: 703-838-7760 Fax: 703-838-7781 Email: communications@narfe.org ADVERTISING SALES: Warren Berger Media People Inc. 122 East 42nd St., Suite 1622 New York, NY 10168 Phone: 212-779-7172, ext. 223 Email: wberger@mediapeople.com

NARFE FOR THE VISUALLY IMPAIRED ON THE TELEPHONE: This publication can be heard on the telephone by persons who have trouble seeing or reading the print edition. For more information, contact the National Federation of the Blind NFB-NEWSLINE® service at 866-5047300 or go to www.nfbnewsline.org.

ON DIGITAL AUDIO: Issues of NARFE Magazine are also available in audio format through the National Library Service for the Blind and Physically Handicapped (NLS). For availability, call 202-727-2142 or your local NLS service provider.

The Association, since July 1970, has been classified by the IRS as a tax-exempt labor organization [not a union]; however, dues and gifts or contributions to the Association are not deductible as charitable contributions for income tax purposes.

National Active and Retired Federal Employees Association NATIONAL OFFICERS RICHARD G. THISSEN, President; natpres@narfe.org JON DOWIE, Secretary/Treasurer; natsectreas@narfe.org EXECUTIVE DIRECTOR BARBARA SIDO, execdir@narfe.org

REGIONAL VICE PRESIDENTS

REGION I James P. Crawford (Connecticut, Maine, Massachusetts, New Hampshire, New York, Rhode Island and Vermont) TEL: 603-630-5191 EMAIL: crawfordjim62@gmail.com REGION II Evelyn Kirby (Delaware, District of Columbia, Maryland, New Jersey and Pennsylvania) TEL: 410-604-1141 EMAIL: ekirby@atlanticbb.net REGION III Clarence Robinson (Alabama, Florida, Georgia, Mississippi, South Carolina, Puerto Rico and Virgin Islands) CELL: 404-312-8028 EMAIL: crobin8145@att.net

REGION VI Marshall L. Richards (Arkansas, Louisiana, Oklahoma, Republic of Panama and Texas) TEL: 903-660-2784 EMAIL: pappysdad@cobridge.tv REGION VII Rodney L. Adelman (Arizona, Colorado, New Mexico, Utah and Wyoming) TEL: 623-505-4719 EMAIL: narfe7vp@cox.net REGION VIII Helen L. Zajac (California, Guam, Hawaii, Nevada and Republic of Philippines) TEL: 707-644-7565 EMAIL: HLZajac125@gmail.com

REGION IV Edward J. Konys (Illinois, Indiana, Michigan, Ohio and Wisconsin) TEL: 937-470-0566 EMAIL: region4vp@gmail.com

REGION IX Richard Wilson (Alaska, Idaho, Montana, Oregon and Washington) TEL: 253-210-5609, CELL: 425-736-6899 EMAIL: narfe1404@comcast.net

REGION V Carol R. Ek (Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota and South Dakota) TEL: 620-241-1131, CELL: 620-504-2202 EMAIL: ek617@att.net

REGION X William Shackelford (Kentucky, North Carolina, Tennessee, Virginia and West Virginia) TEL: 703-830-6590, CELL: 703-201-6304 EMAIL: wshack1951@aol.com

HERE’S HOW TO CONTACT US…

TO JOIN NARFE, RENEW YOUR MEMBERSHIP OR FIND A LOCAL CHAPTER:

CALL (TOLL-FREE) 800-456-8410 OR GO TO www.narfe.org TO CHANGE YOUR ADDRESS, PHONE NUMBER OR EMAIL LISTING:

CALL (TOLL-FREE) 800-456-8410 EMAIL memberrecords@narfe.org OR GO TO www.narfe.org, log in and click on “Update My Record”

TO REACH A FEDERAL BENEFITS SPECIALIST:

EMAIL fedbenefits@narfe.org NARFE HEADQUARTERS

606 N. Washington St. Alexandria, VA 22314 703-838-7760 Hours of operation: Monday-Friday, 8 a.m.-5 p.m. ET

www.narfe.org

narfe (ISSN 1948-4453) is published monthly by the National Active and Retired Federal Employees Association (NARFE), 606 N. Washington St., Alexandria, VA 22314. Periodicals postage paid at Alexandria, VA, and additional mailing offices. Members: Annual dues includes subscription. Nonmember subscription rate $40. Postmaster: Send address change to: NARFE Attn: Member Records, 606 N. Washington St., Alexandria, VA 22314. To ensure prompt delivery, members should also forward changes of address without delay. Because of the volume involved, NARFE cannot acknowledge nor be responsible for unsolicited pictures and manuscripts, although every reasonable precaution is taken. All submissions become the property of NARFE. Copyright © 2018, NARFE. Advertisements in the magazine are not endorsements of products and/or services by NARFE, unless officially stated in the ad. We shall accept advertising on the same basis as other reputable publications: that is, we shall not knowingly permit a dishonest advertisement to appear in NARFE Magazine, but at the same time we will not undertake to guarantee the reliability of our advertisers.

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From the Executive Director

IMPRESSIONS AND CONNECTIONS

O

ver the past 12 months, my journey as NARFE’s Executive Director has taken me across the

country to nine federation conferences, five regional conferences and many chapter meetings.

To effectively serve the federal community and guide the strategic direction of the organization, I needed to meet and speak directly with those who matter most – NARFE members. I needed to hear about the issues that concern them firsthand, as well as their potential business ideas and historical perspectives that made NARFE what it is today. I learned that NARFE members are passionate, dedicated and articulate. I was impressed by their desire to help shape NARFE going forward, and inspired by a strong sense of community that was present everywhere.

All of the personal interactions, observations and conversations reinforced to me that NARFE’s future is bright. With committed, service-oriented members coast to coast, NARFE is poised to head into our centennial

more robust. But, we need to do some things differently to strengthen our position as the “go-to resource” for the federal community.

One way to accomplish this is by implementing the NARFE Next initiative – our broad, multiyear strategic focus taking us into our next century of service. The NARFE Next initiative consists of a series of unique approaches, including concepts of new offerings for prospective and current members; FEDcon18 – our premier training event for the federal community; a re-energized emphasis on our Congressional District Leader (CDL) program; and a focus on enhancing the federal community’s and NARFE’s public image.

Another way is to place a different emphasis on value. Rather than allocating resources to administrative functions within NARFE, realigning those resources to value-generating programs will allow us to better serve Feds. Additionally, migrating to a technologically advanced membership database will allow headquarters to make the most out of member interactions and deliver a more dynamic customer experience. And we cannot overlook the need to have forthright discussions about how NARFE’s organizational model should evolve. Attracting and retaining members in diverse stages of life, not just retirement, is critical for NARFE’s growth.

Change is not easy, but it is necessary to fulfill our goal of making NARFE’s centennial in 2021 a celebration of our proud past and a fortified commitment to our future being more vibrant and relevant than ever before.

BARBARA SIDO NARFE EXECUTIVE DIRECTOR execdir@narfe.org 4

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Washington Watch

AUGUST IS GRASSROOTS ADVOCACY MONTH

B

y now, Congressional District Leaders (CDLs), Senatorial Leaders (SLs) and Federation Legislative Chairs should have scheduled congressional meetings

during Grassroots Advocacy Month in August.

If you don’t have a time set up to talk to your legislators or plans to attend a town hall meeting, please take the steps necessary to make sure NARFE’s priorities are conveyed this month.

Do not let the five-week congressional recess pass by without expressing NARFE’s views.

When communicating with legislators and staff, please address these three legislative priorities: the proposed 2019 pay freeze, postal reform and federal benefit cuts. Of the issues NARFE is working on, these issues are most likely to be considered before the end of the year. For more information, visit the Grassroots Advocacy Month section of the NARFE website.

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2019 PAY FREEZE The president’s Fiscal Year 2019 (FY19) budget includes a provision calling for a federal employee pay freeze in calendar year 2019. The president has the authority to set a pay raise or freeze, absent congressional action. NARFE members should urge Congress to support a federal employee pay raise in the FY19 appropriations process.

ACTION ALERT!

While a pay freeze for current employees may not apply to you, this proposal is the most likely to gain traction in Congress, so legislators need to hear opposition from all NARFE members while they are in their districts or states this August. While a 1.9 percent raise is being considered in the Senate, there’s a long way to go before final approval. Implementing a pay freeze for federal employees in a time of economic prosperity is a direct attack on the civil service. NARFE members cannot sit idly by.

POSTAL REFORM The Postal Reform Act, while an improvement over previous versions of the bill, would place

AUGUST

During Grassroots Advocacy Month, please address the following proposals with your legislators: the proposed 2019 federal pay freeze, postal reform and federal benefit cuts. Visit NARFE’s Legislative Action Center today to send a message, tweet or call your legislators. More information about these issues can be found at www.narfe.org/legislation.

the burden of balancing the Postal Service’s books on the backs of 76,000 postal retirees. As it is currently written, postal retirees who chose not to add Medicare Part B coverage to their existing insurance would be forced to pay for Part B or lose their Federal Employees Health Benefits (FEHB) Program coverage altogether.

Forcing current postal retirees into Medicare after they previously declined it not only adds a financial burden while living on fixed income but also changes retirement benefits in retirement.

Even if you are not a postal retiree, you still need to recognize that this bill sets a dangerous precedent for all federal retirees.

If the postal service goes this route, it’s only a matter of time before the rest of the federal government follows suit. This provision sends a very powerful, precedent-setting message that it’s okay to change your benefits in retirement.

FEDERAL BENEFIT CUTS We’ve been down this road before, but things are heating up. Proposals to cut the earned pay and benefits of the federal community were included in the President’s

FY19 budget and recently supported by OPM Director Jeff Pon in a letter to Congress. Among the proposals aimed to cut the earned pay and benefits of the federal community are the elimination of cost-of-living adjustments (COLAs) for FERS retirees and a reduction of COLAs for Civil Service Retirement System (CSRS) retirees by 0.5 percent each year.

Also concerning is the proposal to change retirement annuity calculations from the current average of the highest three years of salary to the highest five. Federal employees covered under FERS would see employee contributions rise by one percent each year for the next six years without any corresponding benefit increase.

While it is unlikely that Congress will tackle a budget this year, what’s most alarming is that these proposals could be used at any time to pay for other priorities.

NARFE members must let their legislators know that they oppose cuts to their earned benefits.

To be most effective in our advocacy efforts, your legislators need to hear how these proposals would affect you. All NARFE members around the country must take action on these legislative priorities

to prevent these proposals from moving forward.

Please contact advocacy@narfe. org with questions about these proposals or how to participate in advocacy activities in NARFE’s Grassroots Advocacy Month.

—BY MOLLY CHECKSFIELD, GRASSROOTS PROGRAM MANAGER

MYTH vs.

REALITY Myth: NARFE endorses candidates running for Congress.

Reality: NARFE does not formally endorse candidates running for Congress. However, candidates running for Congress have the potential to receive NARFE-PAC funds. Numerous factors are considered when deciding which candidates receive NARFE-PAC funds, including: the candidate’s support of NARFE issues; local feedback via a federation recommendation; influence the legislator can exert; competiveness of the race; and the overall NARFE-PAC budget. While NARFE-PAC contributions show support for a candidate, NARFE as an organization does not formally endorse candidates running for office.

W W W. N A R F E . O R G

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Washington Watch

EXECUTIVE ORDERS TARGET FEDERAL UNIONS, MERIT SYSTEM

O

n May 25, President Trump signed three executive orders designed to weaken the influence of federal employee unions and to make it easier to fire federal employees.

The first order sets forth principles for agencies to apply in the discipline and removal of employees due to misconduct or poor performance, including: (i) not requiring progressive discipline; (ii) not prohibiting discipline in one situation because it was not applied in another; (iii) not suspending employees if removal is appropriate; and (iv) taking into account past work history and disciplinary record.

The order directs the Office of Personnel Management (OPM) Director to examine whether existing regulations further these principles, and if not, to propose new regulations that would. The order directs agencies to limit the

length of performance improvement plans (PIPs) to 30 days across government. It also seeks to exclude disputes concerning decisions to remove an employee from federal service from negotiated grievance procedures.

The second order limits the use of “official time,” through which federal workers are compensated for performing their representational union duties instead of their standard work. The order limits union officials to spending no more than 25 percent of their work hours on official time. It also limits official time to one hour per bargaining unit employee per year, down from three hours currently, and prevents use of official time for lobbying or to prepare or pursue grievances brought against the agency. This order also prohibits union access of agency resources, including office space, meeting rooms and computers,

unless paid for by the union.

The last order aims to limit the scope and influence of collective bargaining by federal employee unions. It calls for all collective bargaining agreements (CBAs) to be opened for negotiation at the earliest possible date, and conclude renegotiations within a year. It sets forth policy and principles, such as greater employee accountability, for the new CBAs to achieve. The order also directs the creation of a Labor Relations Group to aid in the negotiation and renegotiation of CBAs. The executive orders include language stating they must conform to current statutory requirements.

These orders cannot override legislation passed by Congress and signed by the President. However, legal challenges to the orders have begun, and more are likely to occur as they are implemented.

—BY JOHN HATTON, DEPUTY DIRECTOR, ADVOCACY

NEW TSP WITHDRAWAL OPTIONS SLATED FOR SEPTEMBER 2019

D

uring a joint meeting of the Federal Retirement Thrift Investment Board (FRTIB) and the Employee Thrift Advisory Council (ETAC), of which NARFE is a member, the Board announced that new Thrift Savings Plan (TSP) withdrawal options are slated for implementation in September 2019.

Signed into law November 2017, the TSP Modernization Act created new, more flexible withdrawal options for TSP participants. Among the many changes is the ability to provide for multiple partial postseparation withdrawals. These

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post-separation withdrawals are limited to one every 30 days for processing protection purposes.

Partial withdrawals can be taken even if the participant is already taking monthly, quarterly or annual payments from TSP. The new law will also permit up to four age-based in-service withdrawals per calendar year for current federal employees aged 59½ or older. These partial withdrawals can also only occur once every 30 days to prevent processing errors. The current rules only allow for one agebased in-service withdrawal for active federal employees. The

installment rules will be changed to allow for monthly, quarterly and annual installments, as well as the ability to make changes to those installments and the ability to start and stop them.

Many NARFE members are eagerly awaiting these changes.

The law provided the FRTIB with two years to implement these changes, which would have been November of 2019. At the joint meeting, at which NARFE was a participant, the Board announced a full implementation date of September 2019.

—BY JESSICA KLEMENT, STAFF VICE PRESIDENT, ADVOCACY

LEGISLATION INTRODUCED TO PROTECT FEDS FROM IDENTITY THEFT

I

n 2015, two egregious cyberattacks on the Office of Personnel Management (OPM) left federal employees and retirees exposed.

In April 2015, OPM announced that the names, dates of birth, addresses and Social Security Numbers (SSNs) of 4.2 million federal employees were stolen.

Shortly afterward, in June 2015, OPM announced that its background investigation records were hacked. This time, 21.5 million current, former and prospective federal employees and contractors were affected.

Under Title VI Section 632 of the Consolidated Appropriations Act of 2016, passed in the 114th Congress, OPM must provide protection to those impacted by the cyber attacks.

Victims received 10 years of complimentary identity theft protection and $5 million in identity-theft insurance. This was the second time Congress approved such protection, and it reflected an increase over previous coverage.

Recently, Del. Eleanor Holmes Norton, D-DC, said that the only way to truly protect those who

have been compromised is to offer lifetime identity protection services, because there is no limit to the duration of time that stolen personal information can be used fraudulently. As such, Del. Holmes Norton and Rep. Dutch Ruppersberger, D-MD, introduced H.R. 5765, Reducing the Effects of the Cyberattack on OPM Victims Emergency Response (RECOVER) Act. This legislation would extend the identity theft protection offered to individuals whose personal information was compromised during the data breaches for their lifetimes.

The risk of identity theft and fraud is an immense burden to bear. Our public servants should not have to live out their lives with such a threat constantly looming over them.

Members of the federal community impacted by the attacks deserve peace of mind. NARFE supports the RECOVER Act because it would ensure that the victims of the 2015 cyberattacks continue to receive the protections they deserve from the risks they face through no fault of their own.

Legislative Resources • Legislative Hotline: A weekly update of legislative news, compiled by the NARFE Advocacy Department staff, distributed via email and available by phone (toll-free) at 800-456-8410, option 4 and online at www. narfe.org.

• Legislative Action Center: A one-stop site to send a letter to Congress, and more, at www.narfe.org.

—BY SAMUEL BARTELS, ADVOCACY ASSISTANT W W W. N A R F E . O R G

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Washington Watch

PRESIDENT’S MANAGEMENT AGENDA REVIEWED IN COMMITTEE

T

he House Committee on Oversight and Government Reform held a hearing on May 16, titled “Workforce for the 21st Century: Analyzing the President’s Management Agenda,” to review the President’s Management Agenda (PMA). This was Congress’ first hearing to cover the PMA’s proposed changes to the federal civil service system and employment policies. Many proposed changes would require legislation. The hearing offered an opportunity for members of Congress and interest groups to air points of contention over the PMA and other administration proposals.

The PMA is the president’s plan for boosting federal government management and performance, a three-part plan combining information technology modernization, data accountability and transparency while creating a workforce for the 21st century. The driving force behind the PMA is the administration’s opinion that the American public is dissatisfied with the current delivery of government services.

Many of the proposed efforts are essential and should improve the delivery of government services and attract highly skilled employees to public service.

However, NARFE is wary of some components of the PMA, as they indicate a mistrust of federal civil servants. The PMA rehashes President Trump’s ill-considered federal pay freeze in 2019. While the hearing was intended to focus on the PMA, other proposals offered by the administration received considerable debate.

During the hearing, Office of Personnel Management Direc-

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tor Jeff Pon presented a defense of the administration’s proposed elimination and reduction of federal annuity cost-of-living adjustments (COLAs). He declared that the federal government should not have to offer COLAs, since the government is not responsible for deciding, and paying for, where annuitants choose to live after retirement. This statement illustrates a lack of comprehension regarding COLAs and how they are administered. NARFE promptly sent a letter (available on NARFE’s website) to Director Pon to clarify any confusion and defend federal COLAs. COLAs are not expendable for our retired civil servants, who often live on fixed incomes. COLAs are indispensible and preserve the earned value of federal annuities in the face of inflation. Without COLAs, annuities would shrink in purchasing power. To reduce or eliminate them is virtually a severe cut in earned benefits.

Rep. Elijah Cummings, D-MD, the committee’s ranking member, adamantly opposed the administration’s plans to slash federal pay and benefits. The congressman asserted such cuts would only impede the administration’s larger goal of improving government workforce performance.

It would be difficult to bring the federal workforce into the 21st century if attracting top talent into federal service amounts to an exasperating task. Similarly, federal workers, when put into financially precarious situations, would not be as motivated and satisfied with their work, perhaps leading to an exodus from public service into the private sector. If agencies are to deliver on mis-

sions, a major component of the PMA, it is imperative that the government recruit and retain top talent by offering competitive compensation.

—BY SAMUEL BARTELS, ADVOCACY ASSISTANT

NARFE DISCUSSES CIVIL SERVICE MODERNIZATION It’s been nearly 40 years since the passage of the Civil Service Reform Act of 1978, the last time the federal civil service underwent a major change. With an administration looking to capitalize on this anniversary with reform proposals of its own, NARFE has been participating in dialogues with other stakeholders, allies and unlikely partners to find common ground and promote good government modernization ideas.

Do you have ideas for how the civil service should be modernized?

Please email advocacy@narfe.org.

narfe bill tracker THE NARFE BILL TRACKER IS YOUR MONTHLY GUIDE TO THE CONGRESSIONAL LEGISLATION THAT NARFE IS FOLLOWING. CHECK BACK EACH ISSUE FOR UPDATES. ISSUE

BILL NUMBER / NAME / SPONSOR H.R. 756: Postal Service Reform Act of 2017 / Rep. Jason Chaffetz, R-UT Cosponsors: 11 (D), 10 (R) S. 2629: Postal Service Reform Act of 2018, Sen. Tom Carper, D-DE Cosponsors 2 (R), 2 (D)

H.Res. 15: As a resolution, it will not be sent to the president and, therefore, cannot become law / Rep. Sam Graves, R-MO POSTAL REFORM Cosponsors: 182 (D), 72 (R) H.Res. 31: As a resolution, it will not be sent to the president and, therefore, cannot become law / Rep. Dave McKinley, R-WV Cosponsors: 177 (D), 50 (R)

WHAT BILL WOULD DO

LATEST ACTION(S)

Requires postal retirees to enroll in Medicare in order to continue receiving their current federal health insurance coverage. Enrollment would be automatic.

Approved by the House Committee on Oversight and Government Reform; pending in two other committees Approved to bypass committee process NARFE, June 2018

Expresses the sense of the House that the U.S. Postal Service should take all appropriate measures to ensure the continuation of six-day delivery.

Referred to the House Committee on Oversight and Government Reform

Expresses the sense of the House that the U.S. Postal Service should take all measures to restore service standards in effect on July 1, 2012.

Referred to the House Committee on Oversight and Government Reform

Expresses the sense of the House that the U.S. Postal Service should take all measures to ensure the continuation of door-to-door delivery for all businesses and Cosponsors: 185 (D), 60 (R) residential customers.

Referred to the House Committee on Oversight and Government Reform

H.R. 4775 / S. 2295: The Federal Adjustment of Income Rates (FAIR) Act / Rep. Gerald E. Connolly, D-VA Cosponsors (H.R. 4775): 51 (D), 1 (R) Sen. Brian Schatz, D-HI Cosponsors (S. 2295): 10 (D), 0 (R)

Provides for a 3 percent pay raise for federal employees in 2019.

Referred to the House Committee on Oversight and Government Reform (H.R. 4775) and the Senate Committee on Homeland Security and Governmental Affairs

H.R. 3269: Federal Employee Pension Fairness Act of 2017 / Rep. Anthony G. Brown, D-MD Cosponsors: 28 (D), 0 (R)

Repeals laws passed in 2012 and 2013 that increased the Federal Employees Retirement System (FERS) contributions for newly hired federal employees.

Referred to the House Committees on Oversight and Government Reform and Foreign Affairs NARFE, October 2017

H.R. 1022: Federal Employees Paid Parental Leave Act of 2017 / Rep. Carolyn Maloney, D-NY Cosponsors: 78 (D), 1 (R)

Provides federal employees with 6 weeks of paid leave in connection with the birth or adoption of a child.

Referred to the House Committees on Oversight and Government Reform and Administration

H.Res. 28: As a resolution, it will not be sent to the president and, therefore, cannot become law / Rep. Susan Davis, D-CA

FEDERAL COMPENSATION

NARFE’s Position:

Support

Oppose

No position

W W W. N A R F E . O R G

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Washington Watch

narfe bill tracker ISSUE

DC STATEHOOD

TAXES

COLA

GPO/WEP

CAMPAIGN FINANCE

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BILL NUMBER / NAME / SPONSOR

EDITOR’S NOTE: These bills are all listed online at www.narfe.org/legislation/votervoice.cfm.

WHAT BILL WOULD DO

LATEST ACTION(S)

H.R. 1291 / S. 1278: Washington, DC Admission Act / Del. Eleanor Holmes Norton, D-DC Cosponsors (H.R. 1291): 159 (D), 0 (R) Sen. Thomas Carper, D-DE Cosponsors (S. 1278): 24 (D), 1 (I)

Sets forth procedures that would allow the District of Columbia to become a state known as the State of Washington, DC.

H.R. 2929: Federal Employee Combat Zone Tax Parity Act / Rep. Rob Wittman, R-VA Cosponsors: 7 (D), 2 (R)

Extends the tax credit available Referred to the to military personnel who serve House Committee on in combat zones to civilian Ways and Means federal employees.

NARFE, September 2017 The legislation would allow for public disclosure of federal pen- Referred to the sion data, including: name of an- House Committee on Oversight and nuitant, last agency of employGovernment Reform ment, grade, monthly annuity and total annuity contributions. NARFE, October 2017

H.R. 3200: The TaxpayerFunded Pension Disclosure Act / Rep. Ron DeSantis, R-FL Cosponsors: 0 (D), 7 (R)

Referred to the House Committee on Oversight and Government Reform, and Committee on Rules Referred to Senate committee on Homeland Security and Governmental Affairs

H.R. 1251: CPI-E Act of 2017/ Requires Social Security and Rep. John Garamendi, D-CA many federal retirement programs to use the Consumer Price Index for the elderly Cosponsors: 50 (D), 1 (R) (CPI-E) to calculate cost-ofliving adjustments (COLAs) to retirement benefits.

Referred to the House Committees on Ways and Means, Veterans’ Affairs, Oversight and Government Reform, and Armed Services NARFE, May 2017

H.R. 1205 / S. 915: Social Security Fairness Act of 2017 / Rep. Rodney Davis, R-IL Cosponsors (H.R. 1205): 129 (D), 56 (R) Sen. Sherrod Brown, D-OH Cosponsors (S. 915): 20 (D), 4 (R), 1 (I)

Repeals both the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP).

Referred to the House Committee on Ways and Means (H.R. 1205), referred to the Senate Committee on Finance (S. 915) NARFE, May 2017

H.R. 20: The Government By the People Act of 2017 / Rep. John Sarbanes, D-MD

Reforms campaign finance Referred to three laws to put small donors on par House committees with wealthier donors. Provides a tax credit or contributions and government matching contributions.

Cosponsors: 160 (D), 1 (R)

ISSUE

BILL NUMBER / NAME / SPONSOR H.R. 5389: Federal Retirement Fairness Act / Rep. Derek Kilmer, D-WA

FEDERAL COMPENSATION

DATA BREACH

Cosponsors: 4 (D) 4 (R)

H.R. 5765: the Reducing the Effects of the Cyberattack on OPM Victims Emergency Response (RECOVER) Act / Del Eleanor Holmes Norton, D-DC Cosponsors: 4 (D) 0 (R)

WHAT BILL WOULD DO

Referred to the House ComThis legislation would allow federal employees who started mittee on Oversight and their careers in temporary posi- Government Reform tions, before transitioning into permanent roles, to “buy back” such time and include it in their retirement annuity calculations.

This legislation would extend the availability of identity protection for individuals whose personal information was compromised during recent data breaches at the Office of Personnel Management (OPM).

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Questions & Answers

The following Questions & Answers were compiled by NARFE’s Federal Benefits Institute staff.

NARFE does not provide legal, financial planning or tax advice or assistance.

EMPLOYEES WITHHOLDING FROM LUMP-SUM ANNUAL LEAVE PAYMENT

Q

When I separate from federal service, when should I expect to receive the lump-sum payment for my unused annual leave AND what deductions will my agency payroll office withhold from it?

A

Most agency payroll offices will make payment for the employee’s unused annual leave within two to four weeks from the date of separation.

Generally, a lump-sum payment will equal the pay the employee would have received had he or she remained employed until expiration of the period covered by the annual leave.

If the employee was part of the Civil Service Retirement System (CSRS), the deductions withheld from this payment would include federal taxes, Medicare taxes, and state/local taxes (if applicable).

If the employee was part

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of the Federal Employees Retirement System (FERS), the deductions withheld from this payment would include federal taxes, Social Security and Medicare taxes, and state/local taxes (if applicable).

It is recommended that you contact your agency payroll office and ask whether the federal tax withholding for your lump-sum payment of unused annual leave will be based on a “flat” withholding rate OR based on the W-4 form that you last filed with the agency.

Some payroll offices may differ from others regarding their withholding policy. If it’s based on the W-4 form, you could

always consider submitting a new W-4 form just prior to your separation if you wanted to change the amount to be withheld.

The following are NOT withheld from your lump-sum annual leave payment: CSRS or FERS retirement contributions, insurance premiums, and Thrift Savings Plan (TSP) contributions.

Refer to the following website for additional details: https:// bit.ly/2sF1Prt

REPAYMENT OF LUMP-SUM ANNUAL LEAVE

Q

If I return to federal service within a short period of time of my separation, will I be required to pay back the lump-sum annual leave payment that I received?

A

If you return to federal service to a position that isn’t exempt from the federal leave system before the end of the period covered by the lump-sum payment, you would be required to return the amount of unused annual leave paid to the employing agency. The amount to be repaid equals the pay covering the period between the date of reemployment and the expiration of the lump-sum period.

For example, if you received 220 hours of unused annual leave in your lump-sum payment and after four weeks you returned to a federal position, it’s possible that you would have to repay 60 hours back to the employing agency.

See details below: • Employee separated federal service on April 20, 2018 (received lump-sum payment of 220 hours of unused annual leave) • Employee returns to federal service on May 21, 2018 • Full-time employee with regular work schedule typically works 40 hours per week (Monday through Friday, exclusive of federal holidays) • 20 work days between date of separation and date of rehire in this example = 160 hours • 220 hours paid in lump-sum minus 160 hours = 60 hours due back to the agency upon reemployment to federal service

• 60 hours of unused annual leave is also recredited to the employee by the employing agency

STILL WAITING FOR 2018 ANNUAL CHANGES BAL

Q

I noticed that the Office of Personnel Management (OPM) still hasn’t published the “annual changes” Benefits Administration Letter (BAL) for 2018 yet. Do you know when this will be available on their website?

Also, do you happen to know the 2018 figures for the Federal Employee Retirement System (FERS) Basic Employee Death Benefit (lump-sum payment) and the monthly amounts payable to dependent children?

A

As of the writing of this issue of NARFE Magazine, OPM was unable to give us an ETA for the “annual changes” BAL to show up on their website, but they did tell us that its currently working its way through the appropriate channels to be published. It should be published at the following web link soon: https://bit.ly/2sQkT5a The Civil Service Retirement System (CSRS) Cost of Living Adjustment (COLA), effective December 1, 2017, increases the FERS Basic Employee Death Benefit (BEDB) for an employee who dies on or after December 1, 2017, and before December 1, 2018, to half of his/her final

annual pay (or average pay, if higher), plus $33,072.03.

Chapter 70 of the CSRS and FERS Handbook has detailed information on the FERS BEDB beginning on page 41.

But since the majority of the CSRS and FERS Handbook has not been updated since 1998, folks typically wait until OPM publishes their “annual changes” BAL for details regarding these increases. Until then, use the figure above as a reference.

When a surviving child has a living parent who was married to the employee or retiree, the benefit payable to that child is the lesser of: $522 per month per child; or $1,566 per month divided by the number of eligible children (if 3 or more children).

When the child has no living parent who was married to the employee or retiree, the benefit payable to that child is the lesser of:$627 per month per child; or $1,881 per month divided by the number of eligible children (if 3 or more children).

Chapter 73 of the CSRS and FERS Handbook has detailed information regarding Children’s Benefits.

IN-SERVICE TSP WITHDRAWALS

Q

Once the new Thrift Savings Plan (TSP) rules become effective, will I be limited to the number of ageW W W. N A R F E . O R G

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Questions & Answers

based in-service withdrawals I can make if I’m still federally employed beyond the age of 59½? Are there going to be new rules regarding in-service financial hardship withdrawals?

A

The new rules will allow employees who are 59½ or older to take up to four age-based in-service withdrawals per calendar year and such withdrawals will not affect your ability to take more partial withdrawals after separation from federal service.

However, if you make an agebased in-service withdrawal, you would have to wait at least 30 days before making another age-based in-service withdrawal. The reason for limiting partial withdrawals to once every 30 days is because TSP wants to avoid processing duplicate requests and/or prevent mistakes.

Current rules on the number of in-service financial hardship withdrawals will not change (currently limited to one for every six-month period). Refer to the following weblink for rules regarding in-service financial hardship withdrawals: https://bit.ly/2sG5V2q

RETIREES COLA FOR FIRST YEAR OF FERS DISABILITY RETIREMENT

Q

I retired with a Federal Employees Retirement System (FERS) disability in July 2017. Even though I’m younger than 62, unlike regular retirements under FERS, I was told I would receive a Costof-Living Adjustment (COLA) at the end of each year for my type of retirement. I didn’t receive any COLA in the payment I received 18

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on January 1, 2018. Was I given proper information?

A

During the first 12 months of your disability retirement under FERS, you are entitled to 60 percent of your high-3 average salary (reduced by 100 percent of any Social Security disability income that you may also be receiving). Under FERS rules, disability annuitants do not receive a COLA (cost of living adjustment) when they are in receipt of 60 percent of their high-3 average salary.

Since your disability retirement under FERS will reduce to 40 percent of your high-3 average salary (reduced by 60 percent of any Social Security disability income that you may also be receiving) beginning with the 13th month of your retirement this year, you should expect to see your first COLA effective December 1, 2018 (payable on January 1, 2019) if there is an increase in the Consumer Price Index (CPI) for urban wage earners and clerical workers.

For additional details regarding COLAs, refer to the FAQs here: https://bit. ly/2HygHfM

DIVORCE DECREE AND FEHB COVERAGE FOR CURRENT SPOUSE

Q

If my divorce decree dictates that my former spouse gets a full spousal survivor benefit upon my death AND I have also elected a spousal survivor benefit for my current spouse, if I predecease both individuals, would my current spouse be allowed to retain my Federal Employees Health Benefits (FEHB)?

A

Yes. As long as your current spouse is under your FEHB plan on the date of your death and as long as a spousal survivor benefit is potentially payable to him/her, your current spouse would be allowed to keep the FEHB at the same rates that other annuitants pay even if the full spousal survivor benefit is being paid to your former spouse.

Since OPM cannot pay more than one full survivor benefit to a combination of former and current spouses, the former spouse would receive the spousal survivor benefit and the current spouse would simply make an arrangement with the OPM to pay for the FEHB coverage. But if the former spouse predeceases the current spouse, the spousal survivor benefit payment would shift to the current spouse and OPM would simply take the FEHB premium from the spousal survivor benefit payment.

NO MORE TRICARE RETIREE DENTAL PROGRAM

Q A

Is it true that the TRICARE Retiree Dental Program is ending this year?

Yes, the TRICARE Retiree Dental Program (TRDP) ends on Dec. 31, 2018. In 2019, dental and vision plans will be available through the OPM Federal Dental and Vision Insurance Program (FEDVIP).

If you want dental coverage after TRDP ends, you may enroll in a FEDVIP plan during open season (Nov. 12 – Dec. 10, 2018). To learn more, visit www.tricare.benefeds.com.

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Questions & Answers

Q

children will not be eligible to claim this special payment if they have passed the age of 18 (or 19, if still in high school), unless they were the dependent child of the deceased worker due to a disability they incurred prior to the age of 22.

Refer to the following weblink for more details about applying for this lump-sum death benefit: https://www.ssa.gov/ forms/ssa-8.html

A

NEW TSP RULES: ROTH VERSUS TRADITIONAL WITHDRAWALS

LUMP-SUM SOCIAL SECURITY DEATH BENEFIT

I heard there is some sort of special payment from Social Security upon the death of the worker. If the worker was widowed at the time of their death, would the special payment be payable to his/her children? What is the amount of this special payment?

A surviving spouse or child may receive a special lump-sum death payment of $255 from the SSA (Social Security Administration) if they meet certain requirements. Generally, the lump sum is paid to the surviving spouse who was living in the same household with the worker when they died. If they were living apart, the surviving spouse can still receive the lump sum if, during the month the worker died, they were already receiving benefits on the worker’s record or became eligible for benefits upon the worker’s death.

In the situation where there’s no eligible surviving spouse, the lump sum can be paid to the worker’s child (or children) if, during the month the worker died, the child: was already receiving benefits on the worker’s record or became eligible for benefits upon the worker’s death.

If the eligible surviving spouse or child is not currently receiving benefits, they must apply for this payment within two years of the date of death.

In most situations, adult 20

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Q

Most of my Thrift Savings Plan (TSP) account is held as a traditional TSP balance, as taxes on my contributions are tax-deferred until I take a withdrawal. Some of it is held as a Roth TSP balance, in which I paid taxes on my contributions, but withdrawals are expected to be tax-free.

Once these new options are implemented, will I be able to choose between my traditional and Roth balances when I exercise my withdrawal options?

A

Yes. In addition to the changes made by the new law, the Federal Retirement Thrift Investment Board (FRTIB) is also adding the ability to specify how much of your withdrawal should come from your Roth TSP balance and how much should come from your traditional TSP balance. Current rules require that withdrawals are made proportionally from each balance.

Under the new rules, you could exercise a withdrawal option from your traditional

TSP balance without taking anything from the Roth TSP, or vice versa. However, these new rules do not change the fact that the Roth TSP remains subject to the required minimum distributions (RMD) rules by the IRS once you are separated from federal service and have reached the age of 70½ . This is an IRS rule that applies to Roth accounts in employer plans such as TSP and 401(k) plans.

Under IRS rules, Roth IR As are not subject to the RMD. So if a TSP participant doesn’t wish to take RMDs from their Roth TSP balance, once the new withdrawal options become available, prior to reaching age 70½, he/she could simply make a partial withdrawal requesting that 100 percent of the Roth TSP balance be transferred to a Roth IR A. For more details regarding the upcoming f lexibility that the new TSP rules will allow, refer to the “TSP Modernization Act of 2017 Frequently Asked Questions” on page 7 of the current NARFE white paper titled, “TSP Withdrawal Options” located on the following NARFE member page (login required): https://bit. ly/2K2aVJp

NEW TSP RULES IMPACT PARTIAL WITHDRAWAL OPTIONS

Q

Although I have retired from federal service, I haven’t exercised any of my Thrift Savings Plan (TSP) withdrawal options yet. Once the new withdrawal rules are

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Questions & Answers

implemented by TSP, will I be limited to a specific number of partial withdrawals?

A

Under the new rules, once separated from federal service, there will be no limit on the number of partial withdrawals that you can take. This is true even if you have previously exercised an age-based in-service withdrawal.

However, TSP will only allow one partial withdrawal every 30 days. TSP stated the reason for limiting partial withdrawals to once every 30 days is because they want to

NARFE at Your Service

avoid processing duplicate requests and/or prevent mistakes.

You will also be able to request partial withdrawals even if you are taking monthly, quarterly, or annual installment payments from your TSP account.

At NARFE headquarters, experts are available to answer questions and to assist in helping with a variety of benefit matters.

Call NARFE at:

To obtain an answer to a federal benefits question, NARFE members should call 800-456-8410 and select option 2 for the Federal Benefits Institute; send the question by postal mail to NARFE Headquarters, ATTN: Federal Benefits; or submit it by email to fedbenefits@narfe.org.

800-456-8410, Option 2

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Cover Story

JEFF PON PREPARING CIVIL SERVICE FOR THE FUTURE

Late last year, Jeff Pon was tapped to lead the Office of Personnel Management (OPM). Pon’s career includes several stints in federal service. He started out as a White House intern in 1991, and held positions in OPM and the Department of Energy (DOE) during the George W. Bush administration.

He has also served in the Senior Advisor to Government Executives (SAGE) program through the Partnership for Public Service and, prior to his current OPM role, was Chief Human Resources and Strategy Officer for the Society for Human Resource Management (SHRM).

Soon after Pon was confirmed as OPM director, NARFE National President Richard G. Thissen sat down with him to talk about NARFE and NARFE’s priorities. During their conversation, they covered a wide range of issues affecting federal employees and retirees. NARFE Magazine editors followed up with this interview to help spotlight some of these issues for our readers.

Q A

What in your past experience will shape your leadership at OPM?

I’ve spent my entire career as a Human Resources (HR) professional, serving in leadership positions in both the public and private sectors.

My prior positions at OPM and the DOE have given me firsthand experience in understanding and addressing the unique challenges facing federal agencies, and as the former director of SHRM, I’m well versed in the best practices of the private-sector HR community. That integrated experience will help guide me as OPM responds to the administration’s charge to build a government that delivers results to the American people.

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Q

What steps will you take to protect the personal data of federal employees and retirees following two security breaches at OPM?

A

OPM works to continuously identify and proactively mitigate cybersecurity threats and vulnerabilities that might arise, and the protection of personally identifiable information (PII) remains a top priority. OPM deployed an aggressive cyber response following the cybersecurity incidents, and we continue to enhance our cybersecurity efforts from multiple angles: cybersecurity tools and security updates; staff and agency-wide training; hiring critical personnel; and collaboration with interagency partners.

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JEFF PREPARING CIVIL SERVICE PON FOR THE FUTURE Q

How do you plan to move from paper processes to electronic processes, making federal retirement claims processing simpler, quicker and more modern?

A

Retirement Services (RS) is committed to providing the best customer service to federal annuitants and their families. We’ve made some recent improvements that we hope will further enhance current levels of service: • Our website provides a host of self-service options as well as access to forms and FAQs– https://www.opm.gov/retirement-services.

RS recently released an updated version of online services which is easier to navigate and works well on a variety of applications (for instance, iPads and phones). Annuitants can access the self-service site directly at https:// www.servicesonline.opm.gov/. Many of the basic inquires and transactions that typically generate a call the customer service center can easily be accomplished on this self-service website with no wait.

• RS has recently added staff to its customer service center line (888-767-6738) in order to reduce wait times. Typically, the best time to call the customer service center is before 10 a.m. ET Tuesday through Friday.

• RS provides an email option – retire@opm.gov.

During a typical month, RS can answer questions within 2-3 days.

We have a tremendous opportunity to implement Information Technology (IT) modernization concepts and data-driven policies to help cultivate an effective and modern workforce. The President’s Management Agenda (PMA) listed this as a priority, so we are working hard to develop a framework under which OPM can more effectively harness modern technology to improve our processes, which will ultimately lead to better service for the American people.

Q

Since becoming Director, you have been very vocal about your support for the work of federal employees and celebrating what they do for our country. NARFE both shares and appreciates that sentiment. However, the policies of this administration are in direct opposition to that. How do you reconcile changing benefits and implementing a pay 26

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freeze, both of which negatively impact employees’ take home pay, with the desire to celebrate the work they do?

A

Simply put, we must build a civil service that prepares us for the future. Our pay and retirement packages, which were enacted more than 40 years ago, haven’t kept pace with the private sector.

They are inflexible, financially unsustainable, and don’t give individuals the ability to move easily between private- and public-sector positions. We can, and should, develop pay and benefits packages that respect and celebrate our federal employees while accommodating the flexibility and mobility of the next generation of civil servants.

Q

You are the leader of the nation’s biggest health plan. What do you envision for the Federal Employees Health Benefits (FEHB) Program? Do you see a way FEHB can better coordinate with Medicare?

A

The Federal Employees Health Benefits (FEHB) Program is the largest employer-sponsored group health insurance program in the world, covering more than 8 million federal employees, retirees, their family members and other eligible individuals. The FEHB Program will continue to be a model health-insurance offering for eligible members and a strong incentive to recruit and retain a highly skilled and experienced work force. We will emphasize quality and affordability in FEHB plan offerings and use evidence-based metrics to reward participating health plans that maximize quality and affordability in their offerings and in the administration of their covered benefits.

The FEHB Program has made concerted efforts in the past several years to ensure that its members who have contributed to the Medicare Trust Fund throughout their careers are able to maximize the value of the benefits that they have earned. For instance, OPM has encouraged plans to: • Propose benefit changes that allow members to maximize their benefits under FEHB and Medicare, such as reduced cost-sharing under hospital, medical or pharmacy benefits for members with Part B; • Improve their coordination activities for pharmacy benefits covered under Part B and FEHB; • Provide much better information in their

JEFF PREPARING CIVIL SERVICE PON FOR THE FUTURE enrollee materials to allow members to better compare plans, including with regard to how the plans coordinate benefits; and • Provide premium pass-through accounts to members for the payment of Medicare Part B premiums.

In addition, we have provided a waiver of our requirement that benefit enhancements be costneutral, provided that the benefit enhancement proposed involves better coordination with Medicare.

We have seen great improvement in this area and anticipate continuing improvement with regard to FEHB Program Plans’ coordination with Medicare.

Q

We commonly hear from our members that it is difficult to get responses from OPM. What do you want federal employees and annuitants to know about OPM and how it serves them?

A

We are committed to providing top-notch service to our civil servants, and I know we have room for improvement. We have expanded our retirement call center operations to better serve our annuitants and we are taking additional steps to modernize our IT capabilities, including developing self-service options via the web.

Q

You recently sent a letter to congressional leaders proposing changes to federal retirement benefits and legislative language to implement those changes. However, your letter did not include a target implementation date. Is it your desire that these changes apply to current employees and annuitants or future employees and annuitants?

We are actively working with our stakeholders to examine options and develop a framework that is fair, balanced and will achieve our goal of modernizing the civil service. As we gather and assess feedback and refine the way forward, we will work to establish timelines.

Q

Government-wide civil service reform is getting a lot of attention lately. What’s your vision for how the civil service should be modernized?

A

Civil service modernization is a key aspect of the President’s Management Agenda (PMA) and a large part of our current focus. We should

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develop a culture that is focused on results and has the flexibility to be effective. Our goal is to advance the Civil Service for the next 40 years by aligning public sector efforts with the best practices of the private sector.

We need to attract, retain and award the best performers and hold poor performers accountable. I want to increase training opportunities, which will encourage good performance and strengthen job-related skills. The next generation of federal employees is searching for their next project or mission. It’s important that we build flexibility to meet the needs of the workforce for today and tomorrow. I’d like to make it easier for people to enter the federal workforce, leave, and then come back again if they choose to do so.

Q

NARFE members experienced a rude awakening in 2016 with a significant unforeseen increase in long-term care insurance premiums. OPM’s Inspector General has recommended changes to how the program is administered; yet, OPM objected to several of the common-sense suggestions. How do you think the Federal Long Term Care Insurance Program (FLTCIP) needs to change?

A

Premium rate stability is a challenge the entire long-term care industry is facing. FLTCIP law states premiums must “reasonably and equitably reflect the cost of the benefits provided” and the premium must secure the sufficiency of the Experience Fund to pay claims in the decades to come.

OPM agrees that the increase in long-term care insurance premiums was significant but differs with the OIG on how to best address these issues.

OIG’s final audit report acknowledged that we are effectively monitoring the FLTCIP, but OIG would like to see more formal plans in place as to the implementation of future product changes. OPM is actively working to develop feasible solutions that provide for the long-term viability of the FLTCIP program. We acknowledge the changing long-term care industry and are working diligently both internally and with John Hancock to develop new product ideas to address rate stabilization for FLTCIP. Jeff Pon will be a featured speaker at the FEDcon18 general session on Monday, August 27 in Jacksonville, Florida. To register, visit http:// www.narfe.org/FEDcon18

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PA R T O N E

By James Marshall

Understanding Social Security can be so difficult. You hear about “claiming strategies,” but you can be overwhelmed when there so many rules and regulations that govern what you can and cannot do. Trying to determine what is best for you becomes a frustrating, exhausting experience. At NARFE, we’re here to help demystify the process of making claims from the Social Security Administration (SSA). It helps to keep in mind some basic rules about how the program works.

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ELIGIBILITY

You are most likely familiar with the age and service criteria to be eligible to retire from the Civil Service Retirement System (CSRS) or Federal Employees Retirement System (FERS). When discussing the eligibility for age-based Social Security benefits, you can think of it in terms of “age and service,” but with a twist from what you already understand under CSRS or FERS. You know that you typically need a minimum of five years under CSRS or FERS to be vested for most CSRS and FERS pensions. For regular Social Security, an individual must have earned 40 credits (sometimes called quarters) to be vested.

You earn these credits by paying Social Security taxes on work income (sometimes called earned income). You are limited to earning four credits per year, regardless of the amount of earned income that year. This is why it usually takes 10 years of paying Social Security taxes to become vested in for Social Security.

Now that Social Security adheres to a credit system for vesting purposes, you no longer have to pay Social Security taxes on a certain amount of income during a specific three-month period of time to receive credit for that quarter. In other words, you don’t have to work 12 months each year to obtain four credits for that year. You could essentially pay Social Security taxes on enough earned income in one quarter and earn all four credits for the year all at once. However, each credit isn’t actually credited to your account until the beginning of each quarter.

For example, Pam is retired under CSRS and although she is old enough to draw Social Security, she only has 36 credits and needs four more credits to be vested for a benefit based on her work record.

Pam worked a job where she earned a total of $6,000 during the months of January and February 2018. Since a credit is earned for each $1,320 of earnings in 2018, Pam has earned enough to be vested. However, her account won’t be fully vested until the beginning of the 4th quarter, October 2018. The earnings can be proven using her pay 32

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slips showing the Social Security covered earnings, or Social Security will write to the employer to verify the earnings.

One of the reasons why the SSA changed from a quarter system to a credit system is that not everyone got paid evenly throughout the year, so some folks weren’t always getting four quarters each year and were taking longer than 10 years of work to become vested.

“WHEN DISCUSSING THE ELIGIBILITY FOR AGE-BASED SOCIAL SECURITY BENEFITS, YOU CAN THINK OF IT IN TERMS OF ‘AGE AND SERVICE,’ BUT WITH A TWIST FROM WHAT YOU ALREADY UNDERSTAND UNDER CSRS OR FERS.”

Similar to CSRS and FERS, becoming vested doesn’t necessarily mean that you are eligible to claim the benefit immediately. It just means that if you were to stop working, you could expect a benefit from the program at some point during your life. A 30-year-old with 40 credits who stops working after paying Social Security taxes for the past 10 years isn’t eligible for age-based Social Security until they reach their minimum retirement age (MRA). However, unlike CSRS or FERS, the Social Security MRA is age 62 regardless of the year you were born.

Additional details regarding eligibility for agebased and other types of Social Security benefits can be found here: https://www.ssa.gov/pubs/ EN-05-10072.pdf

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VARIOUS AMOUNTS PAYABLE AT DIFFERENT AGES

Age-based Social Security is claimed during an eight-year window between the age of 62 and age 70.

As you would imagine, the age-based Social Security amount payable at your MRA is the minimum amount potentially payable. Every month you delay claiming Social Security has an increasing effect on the amount that you would receive. But if you are younger than your full retirement age (FRA) when you claim your benefit, you will only receive a percentage of your full benefit. The full amount is only payable if you wait until your FRA to claim your benefit. Your specific FRA is based on the year you were born. Refer to the following chart to ascertain your FRA:

AGE TO RECEIVE FULL SOCIAL SECURITY BENEFITS

(Called “full retirement age” or “normal retirement age”)

YEAR OF BIRTH*

FULL RETIREMENT AGE

1937 or earlier

65

1938

65 and 2 months

1939

65 and 4 months

1940

65 and 6 months

1941

65 and 8 months

1942

65 and 10 months

1943 - 1954

66

1955

66 and 2 months

1956

66 and 4 months

1957

66 and 6 months

1958

66 and 8 months

1959

66 and 10 months

1960 and later

67

*If you were born on January 1 of any year you should refer to the previous year. If you were born on the 1st of the month, the SSA figures your benefit (and your full retirement age) as if your birthday was in the previous month.

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Waiting beyond your FRA to claim Social Security based on your work record continues to increase the amount you’re paid. Delayed credits are added all the way to age 70, giving you a permanent increase to the full benefit amount for each month that you delay applying for the benefit.

There is no increasing benefit for delaying beyond the age of 70.

Use the SSA’s online retirement age calculator to show you the various percentages of your full benefit payable at various ages between 62 and 70. This calculator can also show you the percentage of your spouse/former spouse’s full benefit to which you might be entitled: https://www.ssa.gov/ planners/retire/ageincrease.html Unless you expect to receive a widow/widower benefit from Social Security, you will lock yourself in with the specific amount payable based on the age that you apply for your benefit. If you are comparing the benefit payable at 62 with the benefit payable at your FRA, your break-even point is usually around 77 or 78. If you are comparing the benefit payable at your FRA with the benefit payable at 70, your break-even point is usually around 82. Significant cost-of-living adjustments could reduce these break-even points.

The question now becomes… when do you need your Social Security? Or the better question might be when do you want your Social Security?

Consider, for instance, whether you need or want more Social Security in your early 60s and 70s or more Social Security in your late 70s or early 80s and beyond? You might want more benefits in your early retirement as you pay off your mortgage or enjoy some travel and recreation, for example, or you might need benefits in your later years to help cover health care costs or moving into a retirement community.

If you had a crystal ball and knew exactly when you were going to die, this decision would be much easier to make. But since the purpose of this article is to simply remind you of the basic rules to keep in mind when making decisions about Social Security, we’ll continue with some other things

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WORKING WHILE CLAIMING SOCIAL SECURITY

If you are still gainfully employed and younger than your FRA, that may limit your ability to claim a benefit from Social Security even if you are eligible.

An earnings test will be required for anyone who attempts to claim a benefit before they reach their FRA. The earnings test only applies to work income (or earned income from which you typically pay Medicare taxes). However, if your spouse is still working, their work income doesn’t prevent you from drawing your own Social Security benefit.

Once you reach your FRA, there is no more earnings test. At that point, you could potentially continue working and simultaneously draw your benefit.

Since Social Security continues to use the highest 35 years of Social Security taxed income to compute your benefit, if you are earning more income beyond your FRA, the SSA will recalculate your benefits automatically when they receive your reported earnings each year.

Additional details regarding the earnings test can be found here: https://www.ssa.gov/oact/cola/rtea.html Be sure to look for part two of this article in NARFE Magazine’s September issue, including how to start or stop Social Security, family or widower benefits, WEP and more.

—JAMESMARSHALLIS THE DEPUTY DIRECTOR OF THE FEDERAL BENEFITS INSTITUTE AT NARFE.

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NARFE’s Dues Withholding Program What is dues withholding?

It is a dues-payment method that gives NARFE members (retirees) the option of having their annual NARFE membership dues deducted from their annuities on a monthly basis.

Advantages • Save 15% off your annual NARFE dues!

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• You’ll never get another dues reminder from us!

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• You may cancel your dues withholding at any time!

How does it work?

One-twelfth of your total dues is automatically deducted from your monthly annuity. Your monthly deduction is determined by the following formula: (NARFE dues ÷ 12) + (Chapter dues - if applicable ÷ 12) = Total Monthly Deduction How do I sign up?

It takes 60-90 days to process your application. Once the process is complete, you will receive a special membership card distinguishing you as a NARFE dues-withholding member.

To learn more about dues withholding, call 800-456-8410.

Retirees, spouses of retirees and annuitant survivors are eligible for dues withholding.

NARFE Dues Withholding Application for Retirees YES. I want to enroll in NARFE’s Dues Withholding Program (Annual NARFE dues of $34 and, if applicable, Chapter dues of record to be withheld annually.)

Social Security Number (9-digit number)

– Mr.

Mrs.

Civil Service Annuity Number

C S

– Miss

Ms.

–

–

–

(Include prefix, CSA or CSF) (Include any applicable suffix)

Full Name ______________________________________

NARFE MEMBERSHIP INFORMATION

Street Address __________________________________

NARFE Membership ID ____________________________________

Apt./Unit _______________________________________

NARFE Chapter # (If applicable) _______________________________

City _________________________ State _____ ZIP _____ Phone (__________) ______________________________ Email __________________________________________ Date of Birth _________ /_________ / ____________________ dd

mm

yyyy

YES. I Also Authorize My (NARFE Member) Spouse’s Dues To Be Withheld From My Annuity. (Additional annual dues of $34 and, if applicable, chapter dues to be withheld annually.)

If YES, enter spouse’s information below.

Spouse’s Name ___________________________________________ ________________________________________________________ Spouse’s Membership ID ___________________________________

AUTHORIZATION (Withholding will begin in 60-90 days). No payment should be forwarded with application.

I authorize the United States Office of Personnel Management to make appropriate deductions from my annuity payments, not to exceed the amount certified by the National Active and Retired Federal Employees Association as the amount of dues for which I am annually obligated, in accordance with elections I made above, and to pay the deducted sum to the National Active and Retired Federal Employees Association (NARFE). This authorization shall also apply to any and all dues changes certified by NARFE membership in accordance with elections I made. Please allow 60-90 days for processing.

I understand that this authorization shall be valid until NARFE receives and processes my written notice of cancellation in accordance with its agreement with the Office of Personnel Management and that any disputes regarding this authorization shall be a matter between NARFE and myself. I hold the Office of Personnel Management harmless for any erroneous allotment deduction made pursuant to this authorization. ___________________________________________________________________________ ______________________________

Signature of Annuitant or Survivor-Annuitant

Date

Dues payments and gifts or contributions to NARFE are not deductible as charitable contributions for federal income tax purposes.

MAIL THIS FORM TO: NARFE, ATTN: Member Records, 606 N. Washington St., Alexandria, VA 22314-1914 www.narfe.org 800-456-8410 rr@narfe.org Do not send money with this form

DW-2 (10/17)

THE FEDERAL FAMILY: FED COMMUNITY STRONG

T

he National Active and Retired Federal Employees Association (NARFE) represents the entire federal community and is your source of information as you carry out advocacy efforts during NARFE Grassroots Advocacy Month. The Federal Family table, provided on the next page, offers data on the federal family and provides a synopsis of data trends such as increases or decreases in the number of employees and annuitants since the previous fiscal year. This information is sourced from the Office of Personnel Management (OPM) and the United States Postal Service (USPS). Some location information for federal employees has been suppressed for security reasons.

BY SAMUEL BARTELS ADVOCACY ASSISTANT

sheets provide the number of retirees and employees in each state, which departments and agencies federal employees work for and how these agencies compare in size to each state’s private sector employers. Also, check out the issue briefs that detail the number of federal annuitants in each congressional district. These resources will prove invaluable as you educate lawmakers about how legislation affecting the federal community affects a significant portion of their constituents. To find these materials, simply click on “Advocacy” on the top of the NARFE website, and then click “Issue Briefs and Fact Sheets” and follow the link “Find Information About Your State.”

If you have any questions about the data provided here or other resources provided by the Advocacy Department, please call us at 1-800-4568410 and select option 3, or email us at advocacy@narfe. org.

wide and is working across the The chart includes the total country in every congressional number of annuitants in fiscal district. Please use this chart year 2017, which is then further categorized into employee as well as other materials provided by the NARFE Advocacy annuitants survivor annuiDepartment when you meet tants. The number of annuitants increased overall, though with your legislators during NARFE Grassroots Advothe number of survivor annuitants continued to decrease cacy Month. You can visit the Advocacy page of the NARFE since the last fiscal year. The website to find fact sheets that chart also tracks the overfurther explain the federal all pension provided to ancommunity’s presence in each nuitants, which also increased state. These state-specific fact since the previous fiscal year.

In looking at the federal workforce, the overall number MEAN (AVERAGE) AND MEDIAN (MIDPOINT) of federal employees saw a decrease since the previous MONTHLY ANNUITIES BY SYSTEM BY YEAR fiscal year.

CSRS 2017 FERS 2017 CSRS 2016 FERS 2016 CSRS 2015 FERS 2015 Though there are fluctuaEMPLOYEE MEAN* $3,651 $1,436 $3,586 $1,392 $3,529 $1,355 tions in the number of federEMPLOYEE MEDIAN $3,171 $1,121 $3,118 $1,082 $3,066 $1,049 al employees and annuitants $572 $1,575 $557 $1,560 $544 since last year, it is clear that SURVIVOR MEAN** $1,597 SURVIVOR MEDIAN $1,414 $446 $1,396 $432 $1,387 $420 the federal community has * Employee Annuitants ** Survivor Annuitants a strong presence nation40

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the federal family Civilian Annuitants, Employees and Postal Employees The chart is a snapshot in time of the federal family. Dates and sources of the data are listed below. Please note: federal and U.S. Postal Service (USPS) employee categories are based on place of employment, not residence. Use these numbers in communications with elected officials. (Note: Blue numbers denote annual decrease.)

TOTAL

TOTAL MONTHLY ANNUITANTS

ANNUITANTS EMPLOYEE SURVIVOR ANNUITIES FEDERAL USPS AND STATE/AREA ON ROLL* ANNUITANTS* ANNUITANTS* ($000s)* EMPLOYEES** EMPLOYEES*** EMPLOYEES ALABAMA 59,331 46,489 12,842 $151,507 38,058 8,909 106,298 ALASKA 8,538 7,246 1,292 $21,694 10,626 1,494 20,658 ARIZONA 59,530 48,731 10,799 $141,057 31,897 9,719 100,146 ARKANSAS 25,182 19,744 5,438 $52,948 12,974 5,441 43,597 CALIFORNIA 214,272 168,789 45,483 $539,391 139,910 65,257 419,439 COLORADO 52,034 42,930 9,104 $137,405 36,222 10,905 99,161 CONNECTICUT 14,838 11,630 3,208 $35,834 8,064 8,462 31,364 DELAWARE 11,076 9,148 1,928 $33,218 3,165 2,070 16,311 DISTRICT OF COLUMBIA 43,989 36,575 7,414 $158,126 143,794 5,550 193,333 FLORIDA 182,633 147,303 35,330 $469,787 79,586 35,398 297,617 GEORGIA 89,089 71,373 17,716 $220,577 71,844 17,808 178,741 GUAM 2,473 1,675 798 $4,400 2,388 106 4,967 HAWAII 25,043 18,701 6,342 $68,027 22,350 2,356 49,749 IDAHO 16,112 13,375 2,737 $38,713 8,352 2,636 27,100 ILLINOIS 70,430 57,197 13,233 $178,078 41,047 29,266 140,743 INDIANA 38,239 30,812 7,427 $87,249 23,313 12,379 73,931 IOWA 21,384 17,089 4,295 $47,331 8,725 7,637 37,746 KANSAS 25,180 20,389 4,791 $58,916 16,000 6,439 47,619 KENTUCKY 34,282 27,491 6,791 $74,026 22,667 7,837 64,786 LOUISANA 28,144 22,704 5,440 $65,168 18,768 8,342 55,254 MAINE 14,156 11,265 2,891 $32,100 10,500 3,366 28,022 MARYLAND 165,074 136,077 28,997 $601,325 130,109 13,230 308,413 MASSACHUSETTS 41,702 32,046 9,656 $103,060 24,560 16,412 82,674 MICHIGAN 46,657 38,648 8,009 $112,123 25,531 21,631 93,819 MINNESOTA 30,721 24,937 5,784 $71,181 16,552 12,578 59,851 MISSISSIPPI 26,166 20,653 5,513 $59,284 17,885 4,927 48,978 MISSOURI 55,382 44,972 10,410 $130,781 34,082 15,297 104,761 MONTANA 14,014 11,757 2,257 $34,007 8,990 2,076 25,080 NEBRASKA 13,652 10,819 2,833 $29,855 9,818 4,624 28,094 NEVADA 25,483 21,297 4,186 $63,412 11,398 4,443 41,324 13,045 10,433 2,612 $33,485 4,275 3,309 20,629 NEW HAMPSHIRE NEW JERSEY 52,886 40,501 12,385 $145,656 20,507 21,597 94,990 NEW MEXICO 29,023 23,873 5,150 $71,956 21,452 3,084 53,559 NEW YORK 94,543 74,768 19,775 $218,334 51,673 44,938 191,154 NORTH CAROLINA 80,356 65,081 15,275 $203,765 43,606 20,101 144,063 NORTH DAKOTA 6,735 5,412 1,323 $14,293 5,514 1,890 14,139 OHIO 76,526 61,069 15,457 $192,454 49,596 23,663 149,785 OKLAHOMA 47,799 37,340 10,459 $108,166 38,259 7,002 93,060 34,997 28,662 6,335 $87,169 18,527 7,017 60,541 OREGON PENNSYLVANIA 109,518 86,691 22,827 $269,496 59,509 28,798 197,825 PUERTO RICO 11,835 9,314 2,521 $22,727 10,864 2,735 25,434 RHODE ISLAND 7,677 5,698 1,979 $18,136 7,397 2,639 17,713 SOUTH CAROLINA 46,751 37,275 9,476 $112,431 21,039 8,332 76,172 SOUTH DAKOTA 11,047 9,181 1,866 $24,468 8,356 2,022 21,425 TENNESSEE 49,010 39,415 9,595 $116,155 25,593 12,500 87,103 TEXAS 177,123 140,870 36,253 $424,955 116,064 42,960 336,147 US VIRGIN ISLANDS 634 508 126 $1,173 420 141 1,195 UTAH 34,902 27,896 7,006 $85,900 27,056 5,513 68,071 VERMONT 4,706 3,838 868 $10,811 3,383 1,609 9,698 VIRGINIA 145,680 118,508 27,172 $486,947 134,867 16,792 297,339 WASHINGTON 70,364 57,076 13,288 $180,629 53,731 12,298 136,393 WEST VIRGINIA 18,883 15,600 3,283 $45,846 15,148 3,678 37,709 WISCONSIN 28,819 23,579 5,240 $63,432 15,369 11,589 55,777 WYOMING 6,101 5,157 944 $14,113 5,490 1,068 12,659 FOREIGN COUNTRIES & TERRITORIES NOT BROKEN OUT ABOVE 23,386 13,808 9,578 $36,292 29,288 18 52,692 TOTAL 2,637,152 2,113,415 523,737 $6,812,369 1,816,808 631,888 5,085,848 *OFFICE OF PERSONNEL MANAGEMENT, FISCAL YEAR 2017 (OCTOBER 1, 2016 - SEPTEMBER 30, 2017) **OFFICE OF PERSONNEL MANAGEMENT FEDSCOPE, DECEMBER 2017. (THE LOCATIONS OF AN ADDITIONAL 238,160 EMPLOYEES ARE SUPPRESSED FOR SECURITY REASONS. EXCLUDES THE INTELLIGENCE COMMUNITY, FOREIGN SERVICE PERSONNEL AT THE STATE DEPARTMENT, THE JUDICIAL BRANCH, MUCH OF THE LEGISLATIVE BRANCH AND CERTAIN OTHER POSITIONS.) ***U.S. POSTAL SERVICE, APRIL 2018

W W W. N A R F E . O R G

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41

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Managing Money

NOT ALL RETIREMENT PLANS ARE CREATED EQUAL

T

he duck test reasons “if it looks like a duck, swims like a duck, and quacks like a duck, then it probably is a duck.” While employer-sponsored plans, such as

the Thrift Savings Plan (TSP), and Individual Retirement Accounts (IRA) have many similar characteristics, there are many key differences to be aware of.

The TSP offers both a traditional and Roth option. The Traditional TSP and Traditional IRA are tax-deferred retirement plans, which means contributions are made on a pre-tax basis, earnings accumulate on a tax-deferred basis, but distributions are 100 percent taxable at the federal level.

Unlike the Traditional TSP, however, a traditional IRA may be funded with post-tax contributions if the IRA owner’s income exceeded certain limits.

If you have non deductible contributions in your IRA, your IRA distributions will be partially tax-free – in proportion to the pretax and after-tax money in your IRA. Many TSP participants opt to transfer their traditional IRAs to their TSP to take advantage of the low-cost investment options. If you plan on doing this, be aware the traditional TSP cannot hold after-tax funds. So, if you have after-tax money in your traditional IRA and you transfer the IRA to the TSP, you’ll lose the character of those after-tax funds. In this case,

44

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you’ll end up paying tax on that money twice: once when you made the after-tax contribution, and when it’s distributed it from your TSP. In addition to income taxes, early or premature distributions from a TSP and IRA may also be subject to an additional 10 percent tax. Early and premature are defined by the IRS as distributions occurring prior to attaining the age of 59½ . If you take an early distribution, it will be subject to an early distribution penalty of 10 percent, unless an exception applies. Note, only the earnings portion of a Roth IRA and Roth TSP distribution will be subject to taxes and penalty if made prior to age 59 ½ .

There are several exceptions that apply similarly to both IRAs and the TSP. For example, exceptions apply to the following types of distributions: • To a beneficiary after the death of the participant/owner • Total and permanent disability of the participant/owner • Made as part of a series of substantially equal payments • Amount of unreimbursed

BY MARK A. KEEN,

CFP®

medical expenses exceeding certain thresholds of Adjusted Gross Income.

Other exceptions, however, apply only to the TSP, or only to an IRA. For example, if you’re a qualified first-time homebuyer, there’s an exception covering distributions up to $10,000, but it only applies to IRAs. IRA owners also get an exception for qualified higher education expenses, while TSP participants do not.

If you do plan on retiring before turning 59½ , an exception applies to your TSP distributions if you separated from service in or after the year you reached age 55 (age 50 for certain qualified public safety employees, including specified federal law enforcement officers, customs and border protection officers, federal firefighters and air traffic controllers). This exception does not apply to IRAs. In fact, you’ll lose the age 55 exception if you transfer your TSP to an IRA. Another key difference between an IRA and the TSP involves protection from creditors. While both IRAs and the TSP offer strong protection from creditors in bankruptcy proceedings under federal law, protection in nonbankruptcy proceedings may be a different story.

Bankruptcy laws are generally determined by each state, but a 2005 federal law provides

BENEFITS RESOURCES NARFE offers members a wide range of information on federal benefits. Visit www. narfe.org/federalbenefits and www.narfe.org/ FederalBenefitsInstitute.

protection regardless of the state you live in. Under the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), employer-sponsored retirement plans are provided an unlimited exemption in bankruptcy proceedings. This protection even applies to funds you rollover from your TSP to an IRA. Additionally, the BAPCPA also provides limited protection to traditional and Roth IRA assets not at-

tributable to roll over contributions from employersponsored plans. The protected limit established

by BAPCPA – originally $1 million – is inflationadjusted every three years. As of April 1, 2016, the limit increased to $1,283,025.

In nonbankruptcy proceedings, except for IRS tax levies, child support cases, criminal restitution orders, and certain court orders, employer-sponsored plans, such as the TSP, enjoy strong creditor protections. However, unlike with bankruptcy proceedings, any protection for IRAs in nonbankruptcy proceedings is determined by the state you live in. While some states provide strong protection to IRAs, some do not.

MARK A. KEEN, CFP®, IS PARTNER, KEEN & POCOCK, AND AN INVESTMENT ADVISER REPRESENTATIVE AND REGISTERED PRINCIPAL OF THE STRATEGIC FINANCIAL ALLIANCE, INC. (SFA). SECURITIES AND ADVISORY SERVICES ARE OFFERED THROUGH SFA.

W W W. N A R F E . O R G

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2018

G FUND

F FUND

C FUND

S FUND

I FUND

JUNE

0.24%

-0.10%

0.61%

0.86%

-1.20%

MAY

0.24%

0.73%

2.41%

4.85%

-2.13%

APRIL

0.23%

-0.73%

0.38%

0.28%

2.01%

YTD

1.37%

-1.56%

2.63%

6.17%

-2.44%

1 YEAR

2.53%

-0.27%

14.34%

16.85%

7.25%

3 YEAR*

2.20%

1.99%

11.95%

10.54%

5.28%

5 YEAR*

2.20%

2.65%

13.47%

12.80%

6.80%

10 YEAR*

2.34%

3.97%

10.22%

10.91%

3.14%

Much of investor’s attention during the month was drawn alternatingly to the strong economy and to trade tensions. U.S. equities achieved only modest gains, leading to commensurate increases for the C Fund and the S Fund. Small losses in international equities were magnified by the dollar’s strengthening and caused the I Fund to move lower. The F Fund had a small loss as well that was influenced by some interest rates edging higher. All of the L Funds finished with slight gains. —BY SEAN MCCAFFREY, CHIEF INVESTMENT OFFICER, THRIFT SAVINGS PLAN

2018

*ANNUALIZED

L INCOME

L 2020

L 2030

L 2040

L 2050

JUNE

0.19%

0.17%

0.14%

0.13%

0.12%

MAY

0.50%

0.66%

0.98%

1.13%

1.26%

APRIL

0.30%

0.36%

0.55%

0.62%

0.69%

YTD

1.32%

1.34%

1.46%

1.49%

1.54%

1 YEAR

4.39%

6.07%

8.59%

9.71%

10.76%

3 YEAR*

3.84%

5.19%

6.99%

7.77%

8.45%

5 YEAR*

4.18%

6.48%

8.25%

9.21%

10.05%

10 YEAR*

4.00%

5.68%

6.79%

7.35%

N/A

*ANNUALIZED

RETURNS are net of the effect of accrued administrative expenses and investment expenses/costs. Source: TSP (For additional monthly returns, go to www.tsp.gov.)

G Fund: Government securities (specially issued to the TSP) F Fund: Government, corporate and mortgage-backed bonds C Fund: Stocks of large- and medium-size U.S. companies S Fund: Stocks of small- to medium-size U.S. companies (not included in the C Fund) I Fund: International stocks of 21 developed countries L Fund: (Lifecycle) Invested in the G, F, C, S and I Funds (The proportion of L Fund balance invested in each of the individual TSP funds depends on the L Fund chosen.)

OPM RETIREMENT CLAIMS PROCESSING STATUS

2017

2018

For the Record

STRONG ECONOMY AND TRADE TENSIONS HIGHLIGHT JUNE

THRIFT SAVINGS PLAN FUND RETURNS

Claims Received

Inventory Monthly FYTD (Steady State Average Processing Average Processing is 13,000) Time in Days Time in Days

MAY 5,548 16,140 JUNE 6,141 14,530 JULY 10,070 17,091 AUGUST 7,136 17,125 SEPTEMBER 8,810 16,828 OCTOBER 8,850 18,860 NOVEMBER 5,572 19,294 DECEMBER 5,568 14,515 JANUARY 14,590 20,467 FEBRUARY 13,290 24,225 MARCH 7,767 18,730 APRIL 8,390 17,489 MAY 7,625 7,090

71 68 67 65 62 64 68 60 63 46 49 58 58

67 67 67 67 67 64 66 63 63 59 57 57 58

PLEASE NOTE that this report is new, with the addition of monthly/FYTD processing time in days, to be more in line with the OPM 60-day processing goal. l Source: OPM 46

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COUNTDOWN TO COLA

T

he Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) increased 0.48 percent in May 2018. To calculate the 2019 cost-of-living adjustment (COLA), the indices of July, August and September 2018 will be averaged and compared with the 2017 thirdquarter average of 239.668. The percentage increase determines the COLA. June’s index, 245.770, is up 2.55 percent from the base.

Benefits awarded under the Federal Employees’ Compensation Act (FECA) to individuals suffering work-related injuries or illnesses are adjusted according to each calendar year’s percentage change in the CPI-W. June’s index is 2.18 percent higher than the December 2017 base index of 240.526.

The CPI represents purchases of food and beverages, housing, apparel, transportation, medical care, recreation, education and communication, and other goods and services. Included are various government fees, such as water charges, auto registration fees, and sales and excise taxes.

MONTH

CPI-W

OCTOBER 2017

240.573

NOVEMBER DECEMBER

Monthly % Change

% Change from 239.668

-0.15

0.38

240.666

0.04

0.42

240.526

-0.06

0.36

JANUARY 2018

241.919

0.58

0.94

FEBRUARY

242.988

0.44

1.39

MARCH

243.463

0.20

1.58

APRIL

244.607

0.47

2.06

MAY

245.770

0.48

2.55

JUNE

246.196

0.20

2.72

JULY AUGUST SEPTEMBER

Donate to NARFE Programs Support Alzheimer’s Research

YOUR CHARITABLE CONTRIBUTION IS TAX-DEDUCTIBLE TO THE FULLEST EXTENT ALLOWED BY LAW.

WRITE YOUR CHAPTER NUMBER ON CHECK; MAKE IT PAYABLE TO: NARFE-Alzheimer’s Research

Enclosed is my NARFE-Alzheimer’s contribution: $ Every cent that is contributed is used for research.

Please circle: Mr. Mrs. Miss Ms. AND MAIL TO: Name: Alzheimer’s Association Address: 225 N. Michigan Ave., 17th Floor City: State: ZIP: Chicago, IL 60601-7633 Chapter Number: Credit Card Information:

MasterCard VISA NARFE MEMBERS CONTRIBUTED FOR If you have any questions, write to:

Discover AMEX ALZHEIMER’S RESEARCH: $13 Million Fund NATIONAL COMMITTEE CHAIR Card Number: Olivia Williams, 22 Garden Springs Road Expiration Date: (mm)/ (yy) Columbia, SC 29209 *Total as of May 31, 2018 3-Digit Security Code: 100% of all contributed funds go to Name: (please print) EMAIL: oeashf3@bellsouth.net

$12,704,188.98* Alzheimer’s research.

Signature

Join the Silver CIrcle CLIP THIS CONTRIBUTION FORM AND MAIL TO: NARFE Silver Circle 606 N. Washington St. Alexandria, VA 22314

•For a contribution of $25 or more, you will receive a Silver Circle pin, and your name will be listed in narfe magazine with other contributors.

•For a contribution of $1,000 or more, your name will be placed on the “Wall of Fame” at NARFE Headquarters.

YOUR CHARITABLE CONTRIBUTION IS TAX-DEDUCTIBLE TO THE FULLEST EXTENT ALLOWED BY LAW.

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Enclosed is my Silver Circle contribution: $ ID # (ID # may be found on your narfe magazine label or your NARFE membership card)

Name: Address: City: State: ZIP: Silver Circle contributions are NOT deductible for federal income tax purposes.

INSTALLMENT PLAN Wall of Fame 12-month installment plan

Give to the Scholarship and Disaster Funds

PLEASE MAIL COUPON AND CHECK TO: FEEA 1641 Prince St. Alexandria, VA 22314

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All donations go to the NARFE General Fund to support NARFE programs and operations.

My check is enclosed

(Please make check payable to NARFE Silver Circle.)

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Signature

MAKE CHECK PAYABLE TO: NARFE-FEEA Disaster Fund or NARFE-FEEA Scholarship Fund.

Date

YES!

Date

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I would like to help with my contribution.

Scholarships are available to children, grandchildren and great-grandchildren of federal civilian retirees and current federal employees who are NARFE members.

NARFE-FEEA Disaster Fund NARFE-FEEA Scholarship Fund

Amount: $ Amount: $

Name: Address: City: State: ZIP: To make credit card contributions, visit NARFE Scholarships at www.feea.org/givenarfeschol or NARFE Disaster Relief at www.feea.org/givenarferelief.

/

NARFE News

IN TIMES OF TROUBLE

TWO NEW MEMBER PERKS

N

ARFE is pleased to announce two new member perks partners: Nationwide Insurance and Brookdale Senior Living.

Protect what matters to you while saving on home and auto insurance with a member-only discount when you enroll in an auto or power sports policy. Plus, receive an additional discount when you bundle auto and home policies. Protect all sides with Nationwide’s wide range of insurance

With the summer storm season in full swing, NARFE members should know that the NARFE Disaster Fund offers a $500 cash grant to members who have been injured, incurred property damage or have other needs during and after a declared national disaster. Find out more at www. narfe.org, log in and click on “Special Programs” on the left side.

and financial solutions. Members benefit from guidance and support from a company that’s been strong and stable for more than 90 years.

Discover how Nationwide’s suite of solutions can help protect your financial future.

Caregiving is extremely demanding and often results in exhaustion, family tension, job strain, worry and guilt. Other challenges like family responsibilities, busy lifestyles, finances and distance can make it even more difficult to pro-

vide care. Brookdale Senior Living, the largest senior living provider in the U.S. with more choices in care, would like to help NARFE members navigate senior living and find services that work best for your family’s needs. As a NARFE member, take advantage of significant discounts from Brookdale, from a 7.5 percent discount at a Brookdale independent living, assisted living and memory care communities to a 10 percent discount on Brookdale private duty home care.

What Every Fed Should Know About Their Benefits Registration FREE for Members in the NARFE Federal Benefits Institute

Don’t miss out on these upcoming WEBINARS from the NARFE Federal Benefits Institute: September 13

All New!

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October 11

FEHB & Medicare: Understand Your Choices Sponsored by GEHA

November 8

Health Plans: What’s New and How to Choose Sponsored by GEHA

Not a member? Join NARFE today to access all NARFE Federal Benefits Institute resources and events: www.NARFE.org/Join

NARFE Presenters

James Marshall, head of the NARFE Federal Benefits Institute, offers a depth of knowledge from his long career helping Feds make smart decisions.

Tammy Flanagan, expert on federal benefits, offers easy-to-understand answers to the most complex questions.

Mark Keen, CFP, is a financial planner with years of experience helping feds prepare for retirement.

NARFE Federal Benefits Institute www.NARFE.org/Institute 48

Aug18-issue_Webinar-half-page.indd 1

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6/26/18 11:47 AM

Active and Retired Federal Employees ...

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The only organization dedicated solely to protecting and preserving the benefits of all federal workers and retirees, NARFE informs you of any developments and proposals that affect your compensation, retirement and health benefits, AND provides clear answers to your questions.

Who Should Join the National Active and Retired Federal Employees Association?

If your future security is tied to federal retirement benefits – federal retirees, current employees, spouses and individual survivors – you should join NARFE.

NARFE MEMBER BENEFITS

• • • • •

Get monthly issues of narfe magazine with news and insights for the federal community.

Access the NARFE Federal Benefits Institute for powerful resources to help you fully understand and manage your benefits.

Visit the Legislative Action Center to contact your representatives about bills affecting federal benefits.

Visit the Member Perks page for a full listing of the many time-, money- and hassle-saving benefits available only to NARFE members.

The opportunity to get involved at the local level by joining a chapter in your area.

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N A RFE M EM B E R SH I P A PPL I C AT I O N q YES. I want to join NARFE for the low annual dues of $40. q Mr. q Mrs. q Miss q Ms.

____________________________________________________

Full Name

____________________________________________________

Street Address

____________________________________________________

Apt./Unit

____________________________________________________

City

State

ZIP

____________________________________________________

Phone

____________________________________________________

Email

I am a (check all that apply) q Active Federal Employee q Active Federal Employee Spouse q Annuitant

q Annuitant Spouse q Survivor Annuitant

q Please enroll my spouse _______________________________________________

Spouse’s Full Name

_______________________________________________ Spouse’s Email

THREE EASY WAYS TO JOIN 1. Complete this application and mail with your payment to NARFE / Member Records / 606 N. Washington St. / Alexandria, VA 22314-1914

2. Join online at www.narfe.org.

3. Call 800-456-8410, Monday through Friday, 8 a.m. to 5 p.m. ET.

PAYMENT OPTIONS q Check, Money Order or Bill Pay (Payable to NARFE) q Bill me (NARFE membership will start when payment is received.) q Charge my: q MasterCard

q VISA q Discover

q AMEX

_________________________________________________ Card No. Expiration Date _____ /________ mm

yyyy

_________________________________________________ Name on Card _________________________________________________ Signature _________________________________________________ Date

TOTAL DUES $40 Annual Dues X ___________ = ___________ Per Person # Enrolling Total Dues Dues payments are not deductible as charitable contributions for federal income tax purposes.

Looking to meet others in the federal community and participate in NARFE at a local level? Call 800-456-8410 to learn about a NARFE chapter in your area.

Or, if known, add Chapter # to join now ________________

MAY WE THANK SOMEONE? If applicable, please provide the name, membership and chapter number of the member who introduced you to NARFE: _________________________________________________ Recruiter’s Name _________________________________________________ Recruiter’s Membership ID _________________________________________________ Recruiter’s Chapter Number

NARFE respects the privacy of our members. Personal information is used to provide content and relevant communications to our members, and will not be sold or rented to third parties without your express permission.

NARFE News

NARFE called on amateur photographers to submit their entries for the 2019 NARFE Photo Contest.

NARFE CALENDAR CONTEST WINNERS

T

he 2019 NARFE Calendar, featuring the winners of the association’s annual photo contest, is hot off the presses. Not only does this calendar showcase the talents of our members, it is a source of revenue for NARFE programs.

The theme for this year’s contest was “The Glory of America.” This year’s winning photographers are:

• • • • •

Brenda J. Caroll, Allegan, MI, Ch. 1243; Gary E. Davis, Westlake Village, CA, Ch. 0190; Lynn Fucarino, Tampa, FL, Ch. 1154; Al Glencke, Plymouth, MN, Ch. 0150; David Harrah, Bel Air, MD, Ch. 1770;

•

Ralph Northrop, Rockville, MD, Ch. 1127; • Anne Okonek, Cornell, MI, Ch. 289; • Robert Peterson, Summerville, SC, Ch. 1082; • Harry Powers, Peabody, MA, Ch. 479; • Dennis N. Taylor, Roverside, CA, Ch. 0188; • Larry Trombello, Milford, DE, Ch. 1690; and • Deborah Hayes Zimmerman, Sturgis, SD, Ch. 1635.

For more information and contest rules, visit www.narfe.org, log in and click on “special programs.”

NARFE NATIONAL LIFE MEMBERSHIP APPLICATION National Life Membership offers a hedge against future dues increases and affirms a member’s ongoing support of NARFE’s mission to serve federal employees and retirees. National dues are paid for life; applicable chapter dues are billed annually.

CONTACT INFORMATION o Mr. o Mrs. o Miss o Ms. Full Name _____________________________________________ Street Address _________________________________________ Apt./Unit ______________________________________________ City _______________________ State _____ ZIP _____________ Phone (__________) ____________________________________ Email ________________________________________________ Date of Birth _____ /_____ /_________ dd

mm

yyyy

Recruiter ID # (if applicable) _______________________________ Chapter Number (if applicable) ____________________________ (call 800-456-8410 for chapter information) MEMBERSHIP INFORMATION Member Number: _______________________________________ (New members) Membership is open to civilians in any agency of the federal or D.C. (before Oct. 1, 1987) governments eligible for a federal annuity.

Thank you for becoming a National Member for Life. You will receive a membership card, certificate and special lapel pin.

Please allow six weeks for processing. Dues payments & gift contributions to NARFE are not deductible as charitable contributions for income tax purposes.

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I am a (check all that apply)

o Active Federal Employee o Active Federal Employee Spouse

o Annuitant o Annuitant Spouse o Survivor Annuitant

Life Membership Fee Schedule Ages 30-39 40-50 51-55 56-60 61-65 66-70 71-75 76-80 81-90 91-100+

Single or Quarterly Payment Installments $1,796 $450.25 1,408 353.25 1,127 283.00 960 241.25 801 201.50 653 164.50 514 129.75 392 99.25 251 64.00 127 33.00

PAYMENT INFORMATION o Single Payment or o Quarterly Installments (4 payments) Life Membership fee amount: $ _____________________ PAYMENT OPTIONS o Check or Money Order (Payable to NARFE) o Charge my: o MasterCard o VISA o Discover o American Express Card No. _________________________________________ Expiration Date _____ /_______ mm

yyyy

Name on Card _____________________________________ Signature ________________________ Date ___________ MAIL THIS APPLICATION TO NARFE Member Records 606 N. Washington St. / Alexandria, VA 22314-1914

What You Need to Know

A

re you headed to Jacksonville for NARFE’s premier conference FEDcon18, August 26-28? If so, here are a few must-know pieces of information.

HOTEL All conference activities will take place at the Hyatt Regency Jacksonville Riverfront, 225 E. Coastline Dr. Jacksonville, Florida 32202. Phone: 402-592-6464 or 888-421-1442.

Check-in time is 3 p.m.; check-out time is noon. Website: https://bit. ly/2ys2pOp TRANSPORTATION At Jacksonville International Airport (JAX), all ground transportation services – including rental car agencies, taxi and limousine services – are located on the lower level of the terminal building adjacent to baggage claim. Shuttle Service NARFE has contracted with East Coast Trans-

REGISTER ONLINE FEDcon18 is a one-of-a-kind forum celebrating the dedication of America’s civil servants.

Conference registration is available online at www.narfe.org/FEDcon18.

Registration: $175 (members); $235 (non-members).

portation to offer discounted transportation to FEDcon18 attendees.

Shuttle transportation is available for $12 per person, per ride.

In order to receive the discounted one-way transportation you must prearrange and book in advance by visiting https://bit.ly/2tfFscj or calling 904-722-9494.

Conference information is available at www.narfe.org/ FEDcon18.

Available shuttle times are as follows: Departs for Hyatt: 11 a.m., 2 p.m., 5 p.m. and 8 p.m. Departs for Airport: 6 a.m., 9 a.m., noon and 3 p.m.

Fare Estimates from airport to Hyatt: Taxi = $40-$55; Shuttle =

$16-$75; Uber or Lyft = $15-$33.

Visit www.narfe.org/FEDcon18 for more information on rental car companies and taxi service.

AREA ATTRACTIONS There’s so much to do in Jacksonville, Florida. Beyond the majestic downtown skyline, you’ll find quaint riverfront streets, live music venues and sidewalk cafes. Make plans to venture out one night for an unforgettable experience or add a few days to your trip and make a vacation out of it. Visit https://bit.ly/2K3LwOG. DRESS CODE The dress code for the conference is business casual for all sessions.

REGISTRATION All registrants must wear badges to all conference events. Pick up your badge at the Registration Desk.

Register online by August 1.

HOTEL ARRANGEMENTS Hyatt Regency Jacksonville Riverfront 225 E. Coastline Dr. Jacksonville, Florida 32202 402-592-6464 or 888-421-1442 NARFE Rate - Single/Double: $99+tax per night; Triple Occupancy: $124+tax per night (Note: Guaranteed conference rate expires Tuesday, July 31, 2018.)

AIRLINE DISCOUNTS NARFE HQ has negotiated with both Delta and United Airlines to provide discounted airfare to Jacksonville International Airport.

Delta Airlines: Visit www.Delta.com/meetings and select “Book a Trip,” then enter meeting ID NMR9W in the “Meeting Code” box. A $25 charge will apply if you book your flight by phone (800-328-1111).

United: Visit www.united.com and select “All Search Options” link at the bottom of the blue book travel box. Enter your travel dates, etc. then enter offer code ZEC9550455 in the “Promotions and Certificates” box. A $25 charge will apply if you book your flight by phone through United Meeting Reservations (800-426-1122).

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Member Perks

SAVE MONEY WITH NARFE PERKS NARFE appreciates your service, and so do businesses across the country.

Whether you are planning your next vacation or planning for retirement, members can save money on everyday purchases, thanks to our Affinity Partners.

It’s just one more way we’re able to say “thank you” for being a NARFE member.

INSURANCE NEW

Nationwide 1-855-550-9216 For your love of discounts side. Discover how Nationwide’s suite of solutions can help protect your financial future. Protect what matters to you for less with a member-only discount when you enroll in an suto or power sports policy. Plus, receive an additional discount when you bundle home and auto policies. Protect all sides with Nationwide’s wide range of insurance and financial solutions. Benefit from guidance and support from a company that has been strong and stable for 90 years.

NARFE Insurance Services 800-233-5764 www.narfeinsurance.com Designed exclusively for NARFE members, plans administered by Mercer Health & Benefits Administration LLC: Group Term Life Insurance, Senior Age Whole Life Insurance, Senior Term Life Insurance, Group Hospital Income Insurance, Hospital Income and ShortTerm Recovery Insurance, and Pet Insurance.

MOVING SERVICES

Bekins Van Lines 800-456-6832 narfe@bekins.com All NARFE members will receive contracted pricing for all interstate shipments. This will apply to packing, transportation and full-value coverage against damages. Please mention you are a NARFE member 54

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MiniMoves 800-300-6683 MiniMoves is America’s only national mover exclusively focused on small shipments; a piece, a room or a full condo. Member discount - $25 off 500 pounds; $50 off larger moves. Use code 1292.

Wheaton World Wide Moving 800-248-7960 narfe@wvlcorp.com At Wheaton, we know interstate relocating is much more than trucks and boxes. Moving is not simply an address change. It’s a life change. Call today and mention you are a NARFE member to start the moving process.

PRODUCTS

NEW

Office Depot and OfficeMax 855-337-6811, extension 2897 www.officediscounts.org/ narfe Office Depot and OfficeMax are one company! NARFE Members can save up to 80% on over 93,000 products.

Great for your printing, cleaning and office needs. Shop online or in any Office Depot or OfficeMax store. Enjoy FREE next-day delivery on online orders over $50! Visit www.officediscounts.org/narfe to shop online or print off a FREE Store Purchasing Card or call 855.337.6811 x 2897 to place your order over the phone.

Purchasing Power 866-670-3479 purchasingpower.com/NARFE With Purchasing Power, thousands of brand-name products are within reach.

As members of NARFE, you can buy today and pay over time through payroll or annuity allotment. Choose from the latest computers, appliances, vacation packages and more. Never worry about hidden fees, credit checks or interest.

Pay over 6 or 12 months, and you’re done. Save 5% with code NARFEVIP.

TELECOMMUNICATIONS

Verizon FiOS www.narfe.org/memberperks NARFE members can save up to $10 a month on a new qualifying Triple Play bundle with Verizon Fios Internet, TV and home phone service. This exclusive online-only savings is only available to new Verizon customers or those upgrading to the Triple Play Package.

TRAVEL

Alamo 800-462-5266 www.alamo.com Drive Happy® with Alamo® where NARFE members receive year-round discounts. Call or visit our website today and reference Contract ID 262544.

Avis Car Rental 800-633-3469 www.avis.com Avis Car Rental is one of the world’s best-known car rental brands with approximately 5,500 locations in more than 165 countries. Call or book your reservation now at Avis.com using the NARFE AWD number A701900.

Budget Car Rental 800-218-7992 www.budget.com Budget Car rental was founded in 1958 for the “budget-minded” renter. Today, with approximately 3,500 locations around the world, Budget is a leading rental car supplier now offering discounts to members of NARFE. Call or book your reservation now at Budget. com using the NARFE BCD number D871500.

Choice Hotels International 800-258-2847 www.choicehotels.com With 6,400 hotels in the United States and throughout the world, Choice Hotels® offers something for everyone. As a NARFE member, receive 20% off your next stay at participating hotels when you use Special Rate ID 00801967.

Choice Hotels brands are: Comfort Inn, Comfort Suites, Sleep Inn, MainStay Suites and more.

National 800-CAR-RENT www.nationalcarrental.com You Drive A Hard Bargain. Receive up to 20% off rentals at National Car Rental. To make a reservation, call National Car Rental at 1-800-CARRENT® and reference Contract ID 5282909. For complete terms and conditions, visit www.narfe.org/ memberperks.

Wyndham Hotel Group 877-670-7088 NARFE members receive up to 20% off the “Best Available Rate” at participating locations. Call and give the agent your special discount ID number, 8000002694, at time of booking to receive discount. Call to reserve your room today at one of these fine hotels: Wyndham Hotels and Resorts, Days Inn, Ramada Inn, Microtel Inns and Suites and more.

HearUSA www.hearusa.com/narfe HearUSA: The Nation’s Most Trusted Name in Hearing Care. Choose from 250+ hearing aids with $0 Co-Pay for Many Plans. Wireless. Bluetooth. Smartphone Compatible. Nearly Invisible.

Risk-Free 60-Day Trial. Free Follow-Up Care. Free 3-Year Warranty. Call 1-855845-2706 to see if you qualify for 2 FREE hearing aids.

Life Line Screening 800-324-9906 www.lifelinescreening.com/ NARFE

Wyndham Extra Holidays 800-428-1932 www.extraholidays.com Excellent service and the finest comforts are standards you can always rely on with Wyndham Extra Holidays. With more spacious floor plans than a regular hotel, you can enjoy a One-, Two- or Three-Bedroom suite with separate living areas and partial or fully equipped kitchens. Please use promo code 8000002694 when calling or booking online.

Life Line Screening, America’s leading provider of community-based preventive health screenings, will conduct health screenings using state-ofthe-art ultrasound technology in your neighborhood. To schedule an appointment, please call the number above and give the operator code number BKHN075 or visit the website.

WELLNESS NEW

Brookdale Senior Living 571-483-1265 www.Brookdale.com As the largest operator of senior living communities in the U.S., Brookdale has over 1,000 locations all across the country. NARFE Members are eligible for 7.5% discounts at Brookdale Independent Living, Assisted Living and Memory Care communities and 10% discounts on Brookdale Private Duty Home Care.

Sunrise Senior Living www.SunriseSeniorLiving.com Sunrise Senior Living, a leading provider of high-quality, individualized, senior living services, offers NARFE members a special, discounted rate.

Mention code: NARFE-discount during your visit and receive a one-time 5% off of suite/room rates at any of Sunrise’s U.S. communities for one year. For a complete list of Sunrise locations, visit www.SunriseSeniorLiving.com. For new move-ins only.

NARFE Member Perks are designed to provide NARFE members with a quality option in their search for commonly used products and services. NARFE makes no guarantee on any products and services listed and encourages its members to shop and compare before making a decision on any financial matter.

Check out these additional Member Perks on the NARFE website for more details!

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The Way We Worked

CATALOGING AT THE LIBRARY This photo from 1942 shows Library of Congress staff member Jewel Mazique reviewing records in the card catalog. Taken by photographer John Collier for the U.S. Farm Security Administration/Office of War Information, the photo was part of a larger series depicting a day in the life of Ms. Mazique, who was employed as a file clerk at the Library. The process of converting the Library of Congress card catalog to automated records began in the late 1960s, with the last new cards added in 1980.

Today, catalog records are organized within electronic databases and online catalogs, rather than printed on paper cards—though physical card catalogs are still used for reference purposes in a number of reading rooms.

PHOTO from the Library of Congress, courtesy of the National Archives History Office; in collaboration with the Society for History in the Federal Government (SHFG), bringing together government professionals, academics, consultants, students and citizens interested in understanding federal history work and the historical development of the federal government. To join, visit http://shfg.org.

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DID YOU KNOW? Founded in 1800 to serve the reference needs of Congress, the library has grown from an original collection of 6,487 books to a current accumulation of more than 16 million books and more than 120 million other items and collections, from ancient Chinese woodblock prints to compact discs.

Books are arranged into two main sections: fiction and non-fiction, alphabetically by author’s surname for fiction, Dewey Decimal for non-fiction.

Visit www.loc.gov

PAY NOTHING ON OVER FORTY HEARING AID MODELS. GEHA members pay as little as $0 out of pocket on over 40 hearing aid models when they use their $2,500 health plan benefit to purchase hearing aids through TruHearing®.

Hearing aids come with: •

3 provider visits

•

45-day trial

•

3-year warranty

•

48 free batteries included

Example Savings (per pair):

ReSound LiNX 3D™ 5

Widex Beyond 220

Phonak Audeo® B50-R

TruHearing Price: Your Benefit:

TruHearing Price: Your Benefit:

TruHearing Price: Your Benefit:

Smartphone compatible

*

You Pay:

$2,500 - $2,500

$0

Smartphone compatible

*

You Pay:

$2,500 - $2,500

$0

Rechargeable

You Pay:

$2,790 - $2,500

$290†

70 additional models available for under $500 after applying your benefit.

†

$2,500 benefit available to High and Standard Option health plan members.

Call TruHearing to schedule an appointment: 1.866.796.2438 For more info, visit geha.com/MyHearingAids

*Smartphone-compatible aids connect to iPhone®, iPad®, and iPod® Touch devices. Connectivity also available to many Android® phones with use of a phone clip accessory.

All content ©2018 TruHearing, Inc. All rights reserved. TruHearing® is a registered trademark of TruHearing, Inc. All other trademarks, product names, and company names are property of their respective owners. Actual customer savings will vary. Prices and products subject to change. Three followup visits must be used within one year after the date of initial purchase. Free battery offer is not applicable to the purchase of rechargeable hearing aid models. Hearing aid returns, repairs, and replacements are subject to provider and manufacturer fees. For questions regarding fees, contact TruHearing customer service.

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