November 2020 NARFE Magazine

NOV

’20

COVER STORY

FROM MILITARY SERVICE TO CIVIL SERVICE

VETERANS IN FEDERAL GOVERNMENT ALSO IN THIS ISSUE

UNDERSTANDING HSAS OPEN SEASON REPORT

Volume 96 • Number 10

A great move

for NARFE members

Experience a senior living lifestyle that features restaurant-style dining, housekeeping, laundry, concierge service and more with special savings for NARFE members.

SENIOR LIVING:

7.5%

PRIVATE DUTY HOME CARE:

OFF

monthly fee/basic service rate*

10% OFF

service rate**

ASSISTED LIVING RESPITE STAY:

DISCOUNTED RATES VARY BY COMMUNITY***

For more information, call 877-713-2762 or visit brookdale.com/NARFE. Applicable to all discounts: Residents under a Life Care Agreement are not eligible for the discounts. These discounts do not apply to any room, board or services which are paid for all or in part by any state or federally funded program. Subject to availability. Further restrictions may apply. *Discounted rate valid for new residents who are NARFE members or immediate family members of NARFE members. Discount applies only to the Monthly Rate or Basic Service Rate, excluding care costs and other fees. All fees are subject to the terms of the residency agreement. The discount does not apply to any fees which are paid for all or in part by any state or federally funded program. Further restrictions may apply. **Discount is only applicable to a new client of personal assistance services by a Brookdale agency under an executed service agreement. ***Discount is only applicable to new residents of a Brookdale assisted living or memory care community admitting under an executed respite agreement. Discount applies to the daily rate.

327801 MS

Bringing New Life to Senior LivingÂŽ

Š 2020 Brookdale Senior Living Inc. All rights reserved. BROOKDALE SENIOR LIVING and BRINGING NEW LIFE TO SENIOR LIVING are registered trademarks of Brookdale Senior Living Inc.

brookdale.com

NOV

’20

SPECIAL SECTIONS

40 Open Season Report WASHINGTON WATCH

6

Nominee for OPM Director Faces Scrutiny, Pledges to Tackle Agency’s Major Challenges

7

Election Day Is Right Around the Corner: Are You Ready?

8

24

Lame-Duck Period Is Crucial for NARFE Advocacy

9

Payroll Tax Deferral Could Cause Headaches in January

10

New Paid Parental Leave Benefit for Federal Employees Implemented

11

Bill Tracker

COVER STORY FROM MILITARY SERVICE TO CIVIL SERVICE Ev Chasen tells the stories of three service members who successfully transitioned to roles in the federal government

COLUMNS

32

UNDERSTANDING HSAs Read about how HSAs, health savings programs tied to high-deductible health plans, could be benefiicial to your wallet.

NOV

’20

On the Web COVER STORY

VISIT US ONLINE AT:

www.narfe.org LIKE US ON FACEBOOK:

NARFE National Headquarters

FROM MILITARY SERVICE TO CIVIL SERVICE

VETERANS IN FEDERAL GOVERNMENT ALSO IN THIS ISSUE

HSA’S

4

From the President

58

Managing Money

DEPARTMENTS

16

Questions & Answers

60 For the Record 62 NARFE News 66 NARFE Perks

TEXT

68 The Way We Worked Volume 96 • Number 10

ON THE C OVER Illustration by GRAPHEK

FOLLOW US ON TWITTER:

@narfehq

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

|

1

NOVEMBER 2020 | Volume 96 | Number 10

EDITORIAL DIRECTOR Jennifer Rafael SENIOR EDITOR Mabel Yu CREATIVE SERVICES MANAGER Beth Bedard ADDITIONAL GRAPHIC DESIGN GRAPHEK EDITORIAL BOARD Kenneth J. Thomas, Kathryn E. Hensley, Barbara Sido

CONTACT US NARFE Magazine 606 North Washington St. Alexandria, VA 22314-1914 Phone: 703-838-7760 Fax: 703-838-7781 Editorial: communications@narfe.org Advertising Sales: Anita Nelson advertising@narfe.org 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 866-504-7300 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 OFFICERS KENNETH J. THOMAS President; natpres@narfe.org KATHRYN E. HENSLEY Secretary/Treasurer; natsectreas@narfe.org EXECUTIVE DIRECTOR BARBARA SIDO, execdir@narfe.org

REGIONAL VICE PRESIDENTS

REGION I James C. Risner (Connecticut, Maine, Massachusetts, New Hampshire, New York, Rhode Island and Vermont) TEL: 207-540-6233 EMAIL: rvp1@narfe.org REGION II Kathy Adams (Delaware, District of Columbia, Maryland, New Jersey and Pennsylvania) TEL: 302-697-6650. CELL: 302-561-5660 EMAIL: adamskhawaii@aol.com 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, Hawaii, Nevada and Republic of Philippines) TEL: 707-644-7565 EMAIL: hlzajac125@gmail.com

REGION IV Robert L. Helfrich (Illinois, Indiana, Michigan, Ohio and Wisconsin) TEL: 317-501-1700 EMAIL: rlhelfrich@yahoo.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 Cindy Reneé Blythe (Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota and South Dakota) TEL: 785-256-1450 EMAIL: mrsdocbusyb@yahoo.com

REGION X William Shackelford (Kentucky, North Carolina, Tennessee, Virginia and West Virginia) TEL: 703-830-6590, CELL: 703-201-6304 EMAIL: rvp10@narfe.org

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 “My Account”

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

NARFE.org

narfe (ISSN 1948-4453) is published monthly except in July 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 © 2020, 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.

2

| N O V

2020

Make your home more comfortable than ever

“To you, it’s the perfect lift chair.

To me, it’s the best sleep chair I’ve ever had.”

— J. Fitzgerald, VA

NOW

also available in Genuine Italian Leather (and new Chestnut color)

Three Chairs in One Sleep/Recline/Lift

ACCREDITED BUSINESS A+

Pictured: Italian Leather chair chestnut color. Chestnut color also available in DuraluxTM fabric

You can’t always lie down in bed and sleep.

Heartburn, cardiac problems, hip or back aches – and dozens of other ailments and worries. Those are the nights you’d give anything for a comfortable chair to sleep in: one that reclines to exactly the right degree, raises your feet and legs just where you want them, supports your head and shoulders properly, and operates at the touch of a button.

Our Perfect Sleep Chair® does all that and more. More than a chair or recliner, it’s designed to provide total comfort. Choose your preferred heat and massage settings, for hours of soothing relaxation. Reading or watching TV? Our chair’s recline technology allows you to pause the chair in an infinite number of settings. And best of all, it features a powerful lift mechanism that tilts the entire chair forward, making it easy to stand. You’ll love the other benefits, too. It helps with correct spinal alignmentand promotes back pressure relief, to prevent back and muscle pain. The

overstuffed, oversized biscuit style back and unique seat design will cradle you in comfort. Generously filled, wide armrests provide enhanced arm support when sitting or reclining. It even has a battery backup in case of a power outage.

White glove delivery included in shipping charge.

Professionals will deliver the chair to the exact spot in your home where you want it, unpack it, inspect it, test it, position it, and even carry the packaging away! You get your choice of Genuine Italian leather, stain and water repellent custom-manufactured DuraLux™ with the classic leather look or plush MicroLux™ microfiber in a variety of colors to fit any decor. New Chestnut color only available in Genuine Italian Leather and long lasting DuraLux™. Call now!

The Perfect Sleep Chair®

1-888-785-0577

Please mention code 113797 when ordering.

REMOTE-CONTROLLED EASILY SHIFTS FROM FLAT TO A STAND-ASSIST POSITION

Genuine Italian Leather

Chestnut

classic beauty & durability

Long Lasting DuraLux™

Chestnut

Burgundy

Tan

Chocolate

Blue

stain & water repellent

MicroLux™ Microfiber

Burgundy Cashmere Chocolate

Indigo

breathable & amazingly soft

Because each Perfect Sleep Chair is a custom-made bedding product, we can only accept returns on chairs that are damaged or defective. © 2020 firstSTREET for Boomers and Beyond, Inc.

46552

Footrest may vary by model

From the President

A NOVEMBER TO REMEMBER

T

his year’s national Election Day takes place on November 3, a day when many Americans will exercise their

most fundamental right—the right to vote for the candidates who will represent them in government. Before you cast your vote, familiarize yourself with the issues associated with those running for office, and support candidates who will best serve our country and best represent you.

If you need some help, take a moment to review the October 2020 issue of NARFE Magazine, where you will find the congressional scorecard. The scorecard compiles the voting records of all members of Congress on issues of importance to NARFE members.

In November, we also observe Veterans Day to honor America’s veterans for their patriotism, service and sacrifice in wartime and in peacetime. It is important that we thank them on November 11 and throughout the year.

The Government Accountability Office (GAO) pointed out that veterans have lower levels of

NARFE’s Mission Statement To support legislation and regulations beneficial to federal civilian employees and annuitants and potential annuitants under any federal civilian retirement system and to oppose those detrimental to their interests.

satisfaction in areas that are “most strongly associated with an employee considering leaving federal service,” based on data from the annual Federal Employee Viewpoint Survey. While we need to do better to meet the needs of veterans in government, successful transitions do exist. This issue’s cover story delves into the experiences of three wounded warriors who now proudly serve as Feds.

Meanwhile, Americans contend with a flagging economy, a vicious virus, protests and policing, trade deals and stock portfolios. As for legislation, police reform, another coronavirus package, the Violence Against Women Act, key parts of a federal surveillance program, and long-term government funding bills were all items that Congress left on the table prior to the end of the fiscal year.

No matter who wins the presidency or which party controls Congress, the federal community always presents a tempting target for budgetcutters. NARFE will remain a staunch advocate of protecting your earned benefits, but we need each of you to stand with us. Whether it’s in the form of a phone call, a letter or an email to your members of Congress and the White House; a personal visit with your representatives; or a contribution to assist us in this effort, your dedication and time are greatly appreciated.

As we close out another year of service, let me again thank you for all that you do for NARFE. All of us at NARFE National Headquarters wish you and your families a happy Thanksgiving.

To promote the general welfare of federal civilian employees and annuitants and potential annuitants, to advise and assist them with respect to their rights under retirement, health and other employee and retiree benefits laws and regulations, and to represent their interests before appropriate authorities.

To cooperate with other organizations and associations in furtherance of these general objectives.

4

| N O V

2020

KENNETH J. THOMAS NARFE NATIONAL PRESIDENT natpres@narfe.org

Call today to schedule your hearing exam 1-877-696-5335 Take advantage of your $2500 hearing benefit! You may be eligible for a pair of Oticon STM 3 hearing aids for $0 out of pocket.

The groundbreaking technology in Oticon Opn S gives you a 360° hearing experience. It allows you to hear more than one person speaking at a time, while the advanced noise reduction system helps reduce listening effort.

Oticon Opn S is more than just a hearing aid. It’s a wearable technology that makes it possible to connect to your favorite devices. Make hands-free calls, stream music, connect to smart devices and more.

Take a more active part in difficult listening situations and get better speech understanding with less effort.

Federal Employees and Retirees may be eligible for a pair of Oticon OpnTM 3 S hearing aids for $0 out-of-pocket.* Bonus: Free charger, no batteries needed!

FREE charger

A full day’s power. Every day.

Exclusive offer for federal employees and retirees.

A discreet style along with an easy-to-use, stylish and reliable charger. Simply recharge at night for a full day of use.** Disclaimer: Your out-of-pocket costs may vary depending on plan benefits, eligibility, deductible, co-insurance, and model of device chosen. This is not a guarantee of coverage or payment. Benefit is not available through all insurance plans. Please consult your plan for coverage details. ** Lithium-ion battery performance varies depending on hearing loss, lifestyle and streaming behavior. *

17485/9.20

This special offer for federal employees and retirees is available only at Your Hearing Network locations.

Call today for an appointment.

877-696-5335

Washington Watch

NOMINEE FOR OPM DIRECTOR FACES SCRUTINY, PLEDGES TO TACKLE AGENCY’S MAJOR CHALLENGES

I

n a September hearing, members of the Senate Committee on Homeland Security and Governmental Affairs questioned John Gibbs, the president’s nominee to be the director of the Office

of Personnel Management (OPM), on his plans for the agency and past statements. The committee scheduled a vote to recommend Gibb’s confirmation but delayed consideration at the request of committee members who sought additional information. As of press time, the committee had yet to reschedule a vote. Gibbs, if confirmed, would replace OPM’s Acting Director Michael Rigas, and would be the sixth person to hold the position since 2017, marking the highest turnover for the position that the agency has seen in recent years.

In his opening statement, Gibbs testified that he would lead OPM with three core values in mind: “always doing what is legal, moral, and ethical; maintaining open communication with stakeholders; and treating others with respect.” He stated that, alongside agency staff and Congress, he looked forward to working on OPM’s biggest problems, including reducing time-to-hire, boosting retirement processing speed 6

| N O V

2020

and modernizing information technology (IT) systems.

Some Senators noted that Gibbs’ background as a software developer was needed at the agency and could provide a useful perspective on IT modernization efforts. Gibbs identified OPM’s most pressing IT issue as the lengthy retirement processing time, which he said was a major complaint from outgoing employees. As a potential solution, he expressed interest in converting much of

the paper processing to electronic methods and increasing the use of self-service options on the OPM website.

Gibbs also pledged to make telework decisions related to the COVID-19 pandemic consistent with Centers for Disease Control and Prevention (CDC) guidelines, and to work with Congress to ensure federal employees are as safe as possible, including providing personal protective equipment (PPE) to workers. He mentioned that in his experience at HUD, telework has been effective, and he supports the practice if the circumstances call for it.

Sen. Mitt Romney, R-UT, raised concerns about offensive tweets Gibbs published in 2016, including comments “disparaging of Islam” and promoting “bizarre or nonsensical conspiracy theories.” Gibbs insisted he would lead OPM with a zero-tolerance policy for discriminatory treatment.

He noted that his diverse background, personal experiences facing racism,

and his track record at HUD prove his “nonpartisan” style of leadership. A written opening statement by Ranking Member Gary Peters, D-MI, raised concerns that Gibbs’ statements and “reckless political discourse” could undermine his ability to “tamp down controversies and bring people together” at OPM. Gibbs’ brief stint in government began in 2017, where he most recently served as the acting assistant secretary

for community planning and development at the Department of Housing and Urban Development (HUD). Prior to that role, he served as senior advisor to the HUD secretary.

Before that, Gibbs worked in Tokyo as a technology strategist for Japanese nonprofits and as a software developer at Apple, Symantec and Palm Inc.; he also worked as a Christian missionary.

— BY SETH ICKES, GRASSROOTS ASSISTANT

ELECTION DAY IS RIGHT AROUND THE CORNER: ARE YOU READY?

E

lection Day is almost here.

Voters will head to the polls on November 3 to cast their votes for the people they believe would best represent their interests in Congress, the White House, and in nearly 5,000 seats in state legislative districts. As in every election, timely voter registration is a key factor in getting eligible voters ready for the big day.

In most states, voters are required to register ahead of Election Day; however, if you have yet to register and still plan to vote, your state may be one of the 21 states, plus the District of Columbia, that allows same-day voter registration. This means the voter can both register and cast his or her ballot in the same day.

Voter registration requirements vary widely by state. Be sure to check your state’s laws before heading to the polls. Each state that allows same-day registration requires documentation to prove residency and verify identity. Generally, a driver’s license or other government-issued identification will fulfill both requirements.

Most states use a state-wide voting system to check your eligibility on site or after the fact.

Other states may require a sworn affidavit the same day voters are eligible to vote and have yet to do so. Visit NARFE’s Get-Out-theVote resource center to access information about your state’s voter registration requirements at www.narfe.org/GOTV2020.

(Continued on p.9)

MYTH vs.

REALITY Myth: The Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), produced by the Bureau of Labor Statistics (BLS) and used to calculate cost-of-living adjustments (COLAs), does not take into account housing and medical care.

Reality: To calculate the CPI-W, the BLS divides the several hundred items it analyzes into eight groups. These groups are food and beverages, housing, apparel, transportation, medical care, recreation, education and communication, and other goods and services.

Both housing and medical care fall within these groups and are factored into the calculation.

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

|

7

Washington Watch

LAME-DUCK PERIOD IS CRUCIAL FOR NARFE ADVOCACY

I

t’s clear 2020 will be remembered as the year that the COVID-19 outbreak brought unprecedented challenges to America’s health care system. It will also be remembered as the year the congressional calendar, much like our daily lives, was upended, putting usual business on hold.

Important work such as approving funding for the fiscal year that begins each October 1 was placed on the congressional back burner while lawmakers focused on emergency measures related to the pandemic.

With that deadline gone, appropriations and many other important issues remain to be resolved during the lame-duck session of Congress.

Lame-duck sessions—when members of Congress who were reelected and those who were defeated remain in power, but newly elected members have yet to take office—occur between the November elections and the following January. This is hardly the first time Congress has missed its appropriations deadline, so passing spending bills during the lame-duck period isn’t unusual. It’s also a time for last-minute action on other must-pass legislation.

While often necessary to keep the government functioning, critics say the lame-duck session is problematic because members of Congress who have been ousted lack accountability and may not act in the best interest of the public. Although the term “lame” has a weak connotation, ousted lawmakers still retain their authority and can vote

8

| N O V

2020

for or against bills without fear of repercussions from voters.

Humorist Will Rogers once said it’s like letting a fired employee “stay long enough so they could burn your house down.”

Under normal circumstances, funding would consume a lameduck session of Congress, along with other pet projects. But with an open Supreme Court seat as of press time, the session will be anything but normal.

With passage of a continuing resolution through December 11, the funding fight will be delayed until early December. But expect ongoing disagreements over the next coronavirus relief package between the two chambers and the White House.

Throughout the appropriations process, NARFE has asked that federal employees receive the same pay raise as the military—currently on track to be 3 percent—rather than the 1 percent proposed by President Trump. Absent congressional action, the president has the authority to decide how much of a pay raise to provide—or to deny an increase altogether.

NARFE’s advocacy team will monitor congressional activity between now and the end of the year and will mobilize grassroots advocacy efforts when needed.

As we prepare for the 117th Congress, NARFE continues to seek ways to effectively engage members. In June, a survey of federation leaders was conducted to determine advocacy needs and help improve long-term advocacy efforts. We are still collecting responses and want to hear

from all federations. The information will help us develop another survey for our chapter, congressional district and senatorial leaders, which we hope to conduct at the beginning of 2021. It is important that we consider the perspectives of all NARFE advocate voices so we can improve communication, training and engagement.

— BY MARSHA PADILLA-GOAD, GRASSROOTS PROGRAM MANAGER

NARFE GRASSROOTS ADVOCACY Learn more about how you can take action to protect your earned pay and benefits by reviewing NARFE Grassroots materials at www.bitly.com/ NARFE-grassroots.

PAYROLL TAX DEFERRAL COULD CAUSE HEADACHES IN JANUARY

O

n August 8, President Trump issued a presidential memorandum allowing businesses to defer certain payroll tax deductions for eligible employees for the remainder of the year. This move was made in an effort to give workers additional funds during the pandemic. While it’s unclear how many businesses are participating, the federal government is, and some federal employees may have seen their paychecks increase since midSeptember. As of press time, no law has been passed to make this deferral permanent, meaning employees will have to pay back the government in 2021.

Per the memorandum, employees making under $4,000 biweekly ($104,000 annually) will have their payroll taxes automatically deferred. Guidance issued by the Internal Revenue Service (IRS) explains that employers are required to collect the deferred taxes once the year is over. Therefore, employees could see reduced paychecks starting in January, as employers will need

(Continued from p. 7) Historically, same-day voter registration has been indispensable for reducing barriers to voting. Due to the COVID-19 outbreak, voters may have been unable to register through typically accessible channels, such as at the DMV, or unable to meet their state’s registration deadline because they were caring for loved ones. In many states, such voters will still

to withhold a higher than normal amount to pay the accrued taxes.

The deferral targets the 6.2 percent tax that employees pay into Social Security. Since Civil Service Retirement System (CSRS) employees don’t pay into Social Security, they are not facing the deferral. However, their Federal Employees Retirement System (FERS) colleagues do, meaning they are subject to the deferral.

Employees are not eligible to opt-out.

Many federal organizations have warned federal employees about the deferral, including NARFE. In a statement, NARFE National President Ken Thomas said that he “hope[s] federal employees see this for what it is: a short-term loan that will need to be repaid in full, and not an increase in take-home pay. Unfortunately, I worry that millions of federal workers will be caught off guard by the size of their tax bill next year. I urge them to save the extra income they receive through their paychecks for next year’s taxes.”

NARFE will continue to remind federal employees that accrued taxes will eventually be due. For more information, visit our Fact for Feds page: www.narfe.org/ facts-for-feds.

In addition, Rep. Don Beyer, D-VA, whose district is home to a large number of federal employees, released a statement saying the “plan to initiate payroll tax deferrals for civil servants treats the federal workforce as a guinea pig for a bad policy that businesses already rejected as ‘unworkable’.”

Beyer is a member of the House Ways and Means Subcommittee on Select Revenue Measures, which has jurisdiction over tax policy.

As of now, the deferred money will have to be paid back, as the administration cannot unilaterally make the deferral permanent, although Congress could pass legislation to do so. In his statement, Thomas iterated that “Congress has not supported the deferral policy, and there has been no indication that it will accede

have the opportunity to vote on Election Day. New Mexico is the most recent state to sign same-day voter registration into law (it did so in 2019), but the law won’t go into effect until 2021, meaning the state’s voters need to register 28 days in advance. Some states, including Maryland, Iowa, Wyoming and Maine, allow voters to register at polling places on Election Day or at early voting locations. Some states only allow voters to register at the polling

location where they reside.

Other states have more limited same-day registration, such as North Carolina, where same-day registration is only allowed during the early voting period. Montana, Michigan and Connecticut don’t offer registration at polling sites; rather, registration is only permitted at township or city clerk offices, or other satellite locations.

Before you head to the polls, know what’s required of you. Visit www.narfe.org/GOTV2020.

(Continued on p.10)

— BY SETH ICKES, GRASSROOTS ASSISTANT

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

|

9

Washington Watch

NEW PAID PARENTAL LEAVE BENEFIT FOR FEDERAL EMPLOYEES IMPLEMENTED

O

n October 1, 2020, a new paid parental leave benefit kicked in for most federal employees. The Federal Employee Paid Leave Act (FEPLA) was originally signed into law by the president in December 2019 as part of an annual defense authorization bill. The benefit covers 12 weeks of paid leave for the birth, adoption, or foster placement of a child on or after October 1 and is available for use for one year following.

Any birth or placement event that occurred before October 1 does not qualify for the benefit.

According to a fact sheet published by the Office of Personnel Management (OPM), most federal employees, excluding U.S. Postal Service employees and Feds not covered by Title 5, are eligible for the benefit as long as they are covered by the Family and Medical Leave Act (FMLA). The benefit is available to any employee who has a continuing parental role with the child. The 12 weeks may be taken intermittently throughout the one-year period; employees are not required to use it all at once.

The new benefit is a substitute for the unpaid leave employees

(Continued from p. 9) to the administration’s request to approve legislation to eliminate the taxes.”

NARFE is supportive of measures that benefit the federal community during the pandemic, including provisions in the

10

| N O V

2020

receive under FMLA. Therefore, unpaid FMLA leave and paid parental leave come from the same pool, and using unpaid leave for other purposes, such as caring for a family member with a serious health condition, can limit the amount of paid parental leave an employee has available. The benefit is also subject to FMLA rules. For example, FMLA-eligible employees must have completed one year of federal service on either a full- or part-time schedule at an applicable agency. If an employee is not eligible on the date of birth, but becomes eligible within one year, the benefit will apply later. Furthermore, the benefit must be used during the one-year period following the birth or placement, and any unused or expired FEPLA leave cannot carry over or be paid out.

To be considered for paid leave, employees are required to submit a variety of documents to their agency. While agencies are free to accept whichever documents they deem fit, OPM outlined a list of acceptable suggestions in a memo.

These include the child’s birth certificate, documentation from a health care provider, hospital

CARES Act, P.L. 116-136, and the House-passed Heroes Act, H.R 6800. NARFE also supports a 3 percent pay raise for federal employees, which would do more to help workers and those on the frontlines of the pandemic than this temporary tax break.

— BY ROSS APTER, POLITICAL ASSOCIATE

admission forms, adoption agency forms and many others.

If an employee has multiple new children within the same year, the employee is eligible for 12 weeks of paid parental leave for each birth or placement.

Following the 12-week paid leave period, employees must guarantee they will continue working for their agencies for at least 12 weeks. Any work performed between intermittent use of paid leave does not count toward the post-benefit 12-week work period requirement. Failure to complete the work period may result in employees being required to fully reimburse their agency for the time off.

— BY SETH ICKES, GRASSROOTS ASSISTANT

LEGISLATIVE RESOURCES • NARFE NewsLine: A weekly newsletter that goes out to NARFE members on Tuesdays and includes weekly recaps of legislative news, compiled

by NARFE’s advocacy and communications teams.

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

THRIFT SAVINGS PLAN

BILL NUMBER / NAME / SPONSOR H.R. 6614/S. 2791: Taxpayers and Savers Protection (TSP) Act / Rep. Michael Waltz, R-FL / Sen. Marco Rubio, R-FL Cosponsors: H.R. 6614: 2 (D) 29 (R) S. 2791: 2 (D) 7 (R)

WHAT BILL WOULD DO Removes Chinese companies from the Thrift Savings Plan international fund, putting investors at a distinct disadvantage compared with private-sector retirement funds.

LATEST ACTION(S) Referred to the House Committee on Oversight and Reform (H.R. 6614) / Referred to the Senate Committee on Homeland Security and Governmental Affairs (S. 2791)

H.Res. 23: Rep. Susan Davis, D-CA

Expresses the sense of the Referred to the House House that the U.S. Postal Committee on OverService should take all sight and Reform Cosponsors: 209 (D) 53 (R) appropriate measures to ensure the continuation of door delivery for all business and residential customers.

H.Res. 33/S.Res. 99 Rep. Stephen Lynch, D-MA / Sen. Gary Peters, D-MI Cosponsors: H.Res. 33: 226 (D) 41 (R) S.Res. 99: 44 (D) 8 (R) 2 (I)

POSTAL REFORM

H.Res. 54: Rep. Gerald Connolly, D-VA Cosponsors: 218 (D) 75 (R)

H.Res. 60: Rep. David McKinley, R-WV Cosponsors: 181 (D) 25 (R)

H.R. 2382/S. 2965: USPS Fairness Act / Rep. Peter DeFazio, D-OR / Sen. Steve Daines, R-MT

Expresses the sense of the House that Congress should take all appropriate measures to ensure that the U.S. Postal Service remains an independent establishment of the federal government and is not subject to privatization.

Referred to the House Committee on Oversight and Reform (H.Res. 33)

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

Referred to the House Committee on Oversight and Reform

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

Referred to the House Committee on Oversight and Reform

Repeals the U.S. Postal Service’s prefunding requirement.

Passed the House of Representatives 309-106 (H.R. 2382) on February 5, 2020 / Referred to the Senate Committee on Homeland Security and Governmental Affairs (S. 2965)

Cosponsors: H.R. 2382: 233 (D) 68 (R) S. 2965: 4 (D) 3 (R)

NARFE’s Position:

Support

Referred to the Senate Committee on Homeland Security and Governmental Affairs (S.Res. 99)

Oppose

No position

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

|

11

Washington Watch

ISSUE

BILL NUMBER / NAME / SPONSOR H.R. 141/S. 521 Social Security Fairness Act of 2019 / Rep. Rodney Davis, R-IL / Sen. Sherrod Brown, D-OH

WHAT BILL WOULD DO Repeals both the Government Pension Offset (GPO) and the Windfall Elimination Provision (WEP).

Referred to the House Committee on Ways and Means (H.R. 141) / Referred to the Senate Committee on Finance (S. 521)

Reforms the Windfall Elimination Provision (WEP), to provide WEP-affected individuals who are eligible for benefits before 2022 a $100 monthly rebate and $50 for an affected spouse.

Changes the WEP calculation moving forward.

Referred to the House Committee on Ways and Means (H.R. 3934) / Referred to the Senate Committee on Finance (S. 3401)

Cosponsors: H.R. 141: 199 (D) 59 (R) S. 521: 31 (D) 5 (R) 2 (I)

GPO/WEP

H.R. 3934/S. 3401 The Equal Treatment of Public Servants Act / Rep. Kevin Brady, R-TX / Sen. Ted Cruz, R-TX Cosponsors: H.R. 3934: 4 (D) 44 (R) S. 3401: 1 (R)

H.R. 4540 Public Servants Reforms the Windfall EliminaProtection and Fairness Act tion Provision (WEP), to provide / Rep. Richard Neal, D-MA WEP-affected individuals who are eligible for benefits before 2022 a $150 monthly rebate.

Changes the WEP calculation Cosponsors: 142 (D) 2 (R) moving forward.

Referred to the House Committee on Ways and Means

H.R. 1254: The Equal COLA Act / Rep. Gerry Connolly, D-VA

Provides Federal Employees Retirement System (FERS) retirees with the same annual cost-of-living adjustment (COLA) as Civil Service Retirement System (CSRS) retirees.

Referred to the House Committee on Oversight and Reform

Requires Social Security and federal retirement programs to use the Consumer Price Index for the Elderly (CPIE) to calculate cost-of-living adjustments (COLAs) to retirement benefits.

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

Allows federal employees who started their careers in temporary positions before transitioning into permanent roles to retroactively contribute toward their retirement for the years they held a temporary position.

Referred to the House Committee on Oversight and Reform

Cosponsors: 17 (D) 2 (R)

H.R. 1553: Fair COLA for Seniors Act of 2019 / Rep. John Garamendi, D-CA FEDERAL ANNUITIES

Cosponsors: 37 (D) 2 (R)

H.R. 2478: The Federal Retirement Fairness Act / Rep. Derek Kilmer, D-WA Cosponsors: 47 (D) 13 (R)

DC STATEHOOD

H.R. 51/S. 631: Washington, D.C. Admission Act / Del. Eleanor Holmes Norton, D-DC / Sen. Thomas Carper, D-DE Cosponsors: H.R. 51: 227 (D) S. 631: 41 (D) 1 (I)

12

| N O V

2020

LATEST ACTION(S)

Provides for the admission of the Passed the House of State of Washington, DC, into Representatives 232the Union.

180 on June 26, 2020 (H.R. 51) / Referred to the Senate Committee on Homeland Security and Governmental Affairs (S. 631)

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

ISSUE

FEDERAL COMPENSATION

BILL NUMBER / NAME / SPONSOR

WHAT BILL WOULD DO

H.R. 5690/S. 3231: Federal Provides federal employees with Adjustment of Income a 3.5 percent pay raise in 2021.

Rates (FAIR) Act / Rep. Gerry Connolly, D-VA / Sen. Brian Schatz, D-HI Cosponsors: H.R. 5690: 34 (D) S. 3231: 10 (D)

FEDERAL PERSONNEL POLICY

H.R. 3348/S. 1898: Modern Employment Reform, Improvement, and Transformation (MERIT) Act of 2019 / Rep. Barry Loudermilk, R-GA / Sen. David Perdue, R-GA

Streamlines the employee removal process for agencies by weakening due process for federal employees.

Cosponsors: H.R. 3348: 20 (R) S. 1898: 5 (R)

NARFE’s Position:

Support

LATEST ACTION(S) Referred to the House Committee on Oversight and Reform (H.R. 5690) / Referred to the Senate Committee on Homeland Security and Governmental Affairs (S. 3231) Referred to the House Committee on Oversight and Reform (H.R. 3348) / Referred to the Senate Committee on Homeland Security and Governmental Affairs (S. 1898)

Oppose

No position

Contribute To NARFE-PAC I want to make a monthly sustainer credit card contribution:

OR

q $25/month

I want to make a one-time contribution: q $250 – Gold lapel pin and water bottle q $100 – Silver lapel pin

q $10/month

q $50 – Bronze lapel pin

q Other: ______/month ($10 minimum)

q $25 – Basic lapel pin

Sustainers receive a sustainer lapel pin and NARFE-PAC 17oz stainless steel thermal bottle that keeps liquids hot for 12 hours or cold for 24 hours.

q Other: _________

q Please do not send any gifts for my contribution (This saves NARFE-PAC money!)

NARFE Member #: __________________________________________ Name: ___________________________________________________

q Charge my credit card (required for monthly contribution) q MasterCard

q VISA

q Discover

q AMEX

Address: _________________________________________________

Card #: ________________________________________________

City: ___________________________________________________

Exp. Date: _____ /_________

State: ______________________

ZIP:

__________________

Occupation: _________________ Employer:____________________ To comply with federal law, we must use our best efforts to obtain, maintain and submit the name, mailing address, occupation and name of employer of individuals whose contributions exceed $200 each calendar year. NARFE-PAC is for the benefit of political candidates and activities on a national level. NARFE members have the right to refuse to contribute without reprisal, and NARFE will neither favor nor disadvantage anyone based on the amount of a contribution or failure to make a voluntary contribution. The suggested amounts are only suggestions and not enforceable.

NARFE-PAC contributions are not deductible for federal income tax purposes.

mm

yyyy

Name on Card: _________________________________________ Signature: _____________________________________________ Date: _________________________

Or mail check payable to NARFE-PAC to: NARFE Attn. Budget & Finance 606 North Washington St. | Alexandria, VA 22314 W W W. N A R F E . O R G

|

13

Find this and other great deals on www.fepblue.org/blue365

More Than Just Hearing Aids Service Benefit Plan members get a full hearing care package when they use their allowance through TruHearing®

The TruHearing Program Includes: N S

State-of-the-Art Technology

Personalized Care

Help Along Your Way

Experience the latest advances in hearing technology

Receive expert care from our team of helpful professionals

Get started on the journey to better hearing with confidence A worry-free purchase with a 45-day risk-free trial and 3-year warranty

ˆ

48 free batteries per aid included with non-rechargeable models

ˆ

A hearing exam plus three follow-up visits for fitting and adjustments

ˆ

Local, professional care from an accredited provider in your area

ˆ

ˆ

Stream audio and phone calls directly to your ears from your smartphone‡

Guidance and assistance from a TruHearing Hearing Consultant

ˆ

ˆ

Hear speech clearly, even in noisy environments

ˆ

ˆ

Enjoy natural, lifelike sound in virtually all listening situations

Guides to help you adapt to your new hearing aids at TruHearing.com/GetStarted

* The Service Benefit Plan will pay a hearing aid benefit for Standard and Basic Options up to $2,500 total every 3 calendar years for adults age 22 and over, and up to $2,500 total per calendar year for members up to age 22. FEP Blue Focus does not have a hearing aid benefit. Do not rely on this communication piece alone for complete benefit information. All benefits are subject to the definitions, limitations, and exclusions in the Blue Cross and Blue Shield Service Benefit Plan brochure. The Blue365® Discount Program offers access to savings on items that you may purchase directly from independent vendors, which may be different from items covered under the Service Benefit Plan or any other applicable federal healthcare program. For hearing aids, acupuncture, chiropractic and vision services, you must exhaust your Service Benefit Plan benefit first before accessing the savings of the Blue365® Discount Program. To find out what is covered under your policy, contact the customer service number on the back of your member ID card. The products and services described herein are neither offered nor guaranteed under any local Blue company’s contract with the Medicare program. These items are not subject to the Medicare appeal process. Any disputes regarding these products and services are not subject to the Disputed Claims process. Blue Cross Blue Shield Association (BCBSA) may receive payments from Blue365 vendors. Neither the Service Benefit Plan, nor any local Blue company recommends, endorses, warrants or guarantees any specific Blue365 vendor or item. The Service Benefit Plan reserves the right to change, modify, or terminate any item and vendors made available through Blue365, at any time. † Price shown does not include cost of comprehensive hearing exam. Examination and testing for prescribing of hearing aids is covered under the Service Benefit Plan. The member should confirm that the provider rendering the hearing exam is a Preferred provider. If the provider is Non-preferred, the member may be charged a maximum fee of

Example Savings (per pair) Prices and products subject to change. For more information, visit TruHearing.com.

Sample Product

Average Retail Price

TruHearing Price

Allowance (up to $2,500)*

TruHearing® Advanced

$4,890

$2,500

–$2,500

Signia® 2 Nx

$4,020

$1,990

–$2,500

Phonak® Audéo® M 50

$3,990

$2,550

–$2,500

Resound LiNX Quattro 5

$5,560

$2,740

–$2,500

Starkey® Livio™ 1600

$5,480

$2,950

–$2,500

Widex Evoke™ 330

$5,570

$3,450

–$2,500

Oticon Opn® S1

$6,590

$4,300

–$2,500

You Pay † $0 $0 $50 $240 $450 $950 $1,800

Rechargeable | Listed products are smartphone compatible‡

Call TruHearing today and start saving 1-877-360-2432 | For TTY, dial 711 $75 for the exam, and the member may need to submit a claim for reimbursement. Must be a Service Benefit Plan member to access TruHearing discounted pricing.

TruHearing is offered 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. The Blue Cross® and Blue Shield® words and symbols, Federal Employee Program®, FEP® and Blue365® are all trademarks owned by Blue Cross Blue Shield Association. ‡ Smartphone compatible hearing aids connect directly to iPhone®, iPad®, and iPod® Touch devices. Connectivity also available to many Android® phones with use of an accessory.

All content ©2020 TruHearing, Inc. All Rights Reserved. TruHearing® is a registered trademark of TruHearing, Inc. All other trademarks, product names, and company names are the property of their respective owners. Listed benefit amount may differ from customer's actual benefit. Actual customer payment will vary. Three follow-up visits must be used within one year after the date of initial purchase. Hearing aid repairs, and replacements subject to provider and manufacturer fees. For questions regarding fees, contact TruHearing customer service. FEP_NARFE_AD_0120

TruHearing is an independent company that provides discounts on hearing aids.

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 EARLY CAREER CONSIDERATIONS FOR FUTURE RETIREMENT

Q

I’ve only been working as a federal employee for a few years, but regarding my federal benefits and future retirement, what things should I be doing now to ensure that I don’t have any problems with my federal retirement later?

A

When it comes to federal retirement planning, it is never too early to start.

Just by asking, you’re already ahead of the game. For starters, many agencies offer financial literacy programs for their employees, as well as retirement planning classes for employees at various stages of their federal careers. Your agency training office should be able to assist you with identifying any such programs. This could be a great way to learn about strategies and resources that can help you become more successful with your retirement planning and help you create clear goals that

16

| N O V

2020

you can set out to achieve.

It’s recommended that you take a retirement planning class about once every five years throughout your federal career.

This will ensure that you are keeping up with any changes to the various laws and regulations that govern your federal retirement benefits.

Federal benefits and retirement options can be complex at times, but you can have a better understanding with each regular checkup, and NARFE is here to help. Many of the webinars the NARFE Federal Benefits Institute conducts each year cover topics similar to

those that are addressed in the retirement planning classes. As a NARFE member, you would be missing out on a huge benefit if you didn’t take advantage of the NARFE webinar library. Most of the webinars are recorded and archived on the members’ area of the NARFE website for members to view at any time. Since you are at the beginning of your federal career, a good webinar to start with would be one that we conducted this past June, titled, “Plan Now, Relax Later: Tips for New and Midcareer Feds.”

Once you have had time to digest the information you’ve gathered, feel free to reach out to the Institute with any questions.

Presentations addressing the complex laws and regulations that govern federal benefits are a useful overview, but by contacting the Institute, you can also talk with a federal

benefits specialist who can help you understand the benefits as they specifically apply to your situation. We can be reached via email at fedbenefits@narfe.org or by phone at 800-456-8410, option 2.

CHOOSING AN EXACT DATE FOR RETIREMENT

Q A

When should I choose my exact date of retirement from federal

service?

Since most agencies recommend that you submit your retirement application package approximately two to three months before you separate for retirement, you’ll want to choose your date at least a few months before you separate, at a minimum. You will be putting this date on your application for retirement. Speak with your agency retirement office to learn more about the retirement process and how your retirement date can affect the start date of your annuity.

In general, it’s not a bad idea to narrow down your exact date about one to three years before you separate for retirement so you can assess your finances and road map for retirement and start to plan accordingly.

Recently, federal retirement benefits expert Tammy

Flanagan conducted a NARFE Federal Benefits Institute webinar on this topic, titled, “It’s Not Magic: Target Your Best Retirement Date.” This webinar is archived in the Institute webinar library and is available for viewing at any time

by NARFE members. There is no such thing as a magic date that is perfect for everyone. As such, the webinar helps viewers look at their unique situations and decide what date might be best depending upon their individual plans or goals.

Flanagan writes an annual guide on this topic for the Government Executive (GovExec) website (e.g., Best Dates to Retire 2020). When she updates the piece, using an upcoming payroll calendar, she points out why some dates might be better than others, depending upon unique variables, such as individual plans or goals, or whether you are part of the Civil Service Retirement System (CSRS) or Federal Employees Retirement System (FERS). This information was also covered in the webinar referenced above.

Flanagan’s weekly GovExec articles on federal pay and benefits can be found here: www.govexec.com/voices/ tammy-flanagan/2340/.

Between the resources mentioned and having access to specialists at NARFE’s Federal

Benefits Institute, you should have no trouble choosing a date that makes the most sense for your retirement from federal service.

SELF AND FAMILY VS. SELF PLUS ONE IN FEHB PLANS

Q

Our youngest child is coming off our FEHB plan when she reaches age 26 next month. My spouse and I noticed that we are under one of the few plans where the Self and Family premium is actually less expensive than the Self Plus One premium. Can we keep the Self and Family rate when our child leaves the plan?

A

Yes. If the premium for the Self and Family is less expensive than switching to the Self Plus One option, it’s a good idea to consider keeping the Self and Family plan. Benefits do not differ between enrollment types. However, there may be a difference in cost-sharing for some plans. For example, deductible amounts and out-of-pocket expenses may differ between enrollment types. Please review your plan brochure, which is available at www.opm.gov/fehbbrochures, for details. Call the service provider if you need further explanation.

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

|

17

Questions & Answers

RETIREES FEDERAL ERRONEOUS RETIREMENT COVERAGE CORRECTIONS ACT (FERCCA)

Q

I know that the FERCCA legislation applies to active federal employees, annuitants and survivor annuitants, but what about those of us who separated federal service and haven’t yet reached the age required to apply for our deferred retirement? If I was placed in the wrong retirement system when I was previously employed, can I get that corrected?

A

The options and relief afforded under FERCCA would also apply to you.

It doesn’t matter that you are no longer federally employed. As long as the retirement coverage error lasted for at least three years after 1986, you may benefit from FERCCA. The Office of Personnel Management (OPM) recommends that you initially contact your former agency human resources office to request a review of your eligibility under FERCCA. You can typically find agency contact information on the following webpage: www. opm.gov/retirement-services/

benefits-officers-center/ agency-benefits-officers.

If your prior agency does not provide the appropriate assistance, you may have to contact OPM to get this corrected.

The NARFE Federal Benefits Institute can also assist you with reaching out to OPM, if necessary.

COURT-ORDERED BENEFITS FOR FORMER SPOUSE

Q

Although I’ve been retired from federal service for many years, I got married last year and added my new spouse to my Federal Employees Health

2020 NARFE Fall Membership Drive SEPTEMBER 1-DECEMBER 31

EARN CASH AND PRIZES

EARN $10 FOR EVERY NEW MEMBER YOU RECRUIT For details, log in at the NARFE.org homepage and click on “Membership Drive” under “SPECIAL PROGRAMS” 18

| N O V

2020

NARFE EXCLUSIVE BENEFIT

HEARING AIDS FOR FEDERAL EMPLOYEES

Introducing American Hearing Benefits – a discount program from Starkey Hearing Technologies, the only major American owned and operated hearing aid manufacturer.

As a NARFE member, you qualify for exclusive discounts on hearing aids and you may also be eligible for a hearing aid allowance of

up to $2,500.

This could mean $0 cost for your hearing aids!* Member Advantages Include:

Hearing Health

Better Hearing

Ongoing Value

• FREE annual hearing consultations for you and your family

• Exclusive discounts on all AHB hearing aid technologies and styles

• Up to 3-year deluxe warranty plan (including loss and damage)

• Access to a nationwide network of 3,000-plus hearing professional locations

• Any available insurance benefits applied and processed if applicable

• 3-year supply of batteries (40 cells per hearing aid purchased)

• 60-day trial period*

• A year of FREE office visits (up to six visits)

Schedule your FREE hearing consultation today! 888-778-4760 Call a Hearing care Advisor to find out if you qualify for this incredible Federal Employee Health Benefit:

(888) 778-4760 or visit fed.americanhearingbenefits.com *Based on $2500 covered hearing aid allowance. Your current health plan may or may not include a hearing aid allowance. Please contact American Hearing Benefits to find out more. **Professional fitting fees may apply to trial period and returned product (does not apply on all products - provider service fee of up to $200 may apply. Provider office responsible for providing fee information at time of purchase) © 2019 Starkey Hearing Technologies. All Rights Reserved. 4/19 TJAD3056-00-EE-HB

Questions & Answers

Benefits (FEHB) plan. Now that I have been married for over nine months, I’m getting ready to elect a survivor benefit for my spouse.

However, my former spouse was awarded the maximum spousal survivor benefit in our divorce, and my retirement was reduced to provide for my first spouse. If my current and former spouses outlive me, will my current spouse be allowed to maintain FEHB coverage?

A

You are correct to elect a survivor benefit for your current spouse, even though the maximum survivor benefit was awarded in the divorce to your first spouse. If your current spouse survives you but is not receiving the survivor benefit because of the court order, the surviving spouse can continue FEHB coverage if you had a Self Plus One or Self and Family enrollment. OPM will notify your surviving spouse of his or her options. By electing the survivor annuity for your current spouse, you are protecting your current spouse’s rights to continue FEHB coverage and also potentially receive a survivor annuity in the event your former spouse loses entitlement (because of remarriage before age 55 or death).

CHANGING VOLUNTARY WITHHOLDINGS

Q

How do I change the voluntary withholdings from my annuity payment?

20

| N O V

2020

A

If you use a computer and have access to the internet, the easiest method for making any changes to the voluntary withholdings from your annuity payment would be to access your account via OPM’s Retirement Services Online: www. servicesonline.opm.gov/.

If you don’t regularly log into your account each year to keep your password fresh, you may have to initially go through some steps to get OPM to assist you with resetting your password. You can use OPM’s Retirement Services Online to: • Start, change, or stop federal and state income tax withholdings.

• Request a duplicate tax filing statement (1099R).

• Change your personal identification number (PIN) for accessing OPM’s automated systems.

• Establish, change or stop an allotment to an organization.

• Change your mailing address.

• Start direct deposit of your payment or change the account or financial institution to which your payment is sent.

• Establish, change, or stop a checking or savings allotment.

• View a statement describing your annuity payment.

You can also call OPM’s toll-free number (1-888767-6738) for many of these options. When using OPM’s self-service systems, you will

need your civil service active (CSA) or civil service final (CSF) claim number, PIN and Social Security number. If you have forgotten or lost your PIN, you will have to speak with a customer service representative for assistance.

Generally around the middle of the month, OPM authorizes payments that are due the first business day of the following month. Therefore, if you want a change to be reflected in your next payment, you would need to submit your request as early in the month as possible.

ADDING SPOUSAL SURVIVOR BENEFIT FOR NEW SPOUSE

Q

I’m retired and have never been married, but I’m planning to get married next year. How do I make an election with OPM to provide a spousal survivor benefit in the event that I die before my spouse?

A

If you were unmarried at retirement and marry afterward, you must notify OPM in writing within two years after the marriage in order to elect a survivor annuity benefit. The reduction in your annuity (for the cost of the survivor benefit) begins no earlier than the first of the month, nine months after the marriage date. But if you’re going to make this election, we recommend that you do so sooner rather than later. If you

THERAPY, SAFETY AND INDEPENDENCE

How a Safe Step Walk-In Tub can change your life Remember when…

Personal Checklist:

Think about the things you loved to do that are difficult today — going for a walk or just sitting comfortably while reading a book.

And remember the last time you got a great night’s sleep?

As we get older, health issues or even everyday aches, pains and stress can prevent us from enjoying life.

So what’s keeping you from having a better quality of life?

Check all the conditions that apply to you.

Arthritis Insomnia Diabetes Lower Back Pain

Dry Skin Anxiety Mobility Issues Poor Circulation

Then read on to learn how a Safe Step Walk-In Tub can help.

Feel better, sleep better, live better A Safe Step Walk-In Tub lets you indulge in a warm, relaxing bath that can help relieve life’s aches, pains and worries.

Safe Step includes more standard therapeutic and safety features than any other tub on the market, plus the best warranty in the industry: Heated Seat and Back

Hydro-Jet Water Therapy – 10 Built-In Variable-Speed Massaging Water Jets

Electronic Keypad MicroSoothe® Air Therapy System

16 Air Bubble Jets

New Rapid Fill Faucet

Complete Lifetime Warranty on the Tub

A Safe Step Tub can help increase mobility, boost energy and improve sleep.

It’s got everything you should look for in a walk-in tub: • Heated Seat – Providing soothing warmth from start to finish.

• MicroSoothe® Air Therapy System – helps oxygenate and soften skin while offering therapeutic benefits.

• Pain-relieving therapy – Hydro massage jets target sore muscles and joints.

• Safety features – Low step-in, grab bars and more can help you bathe safely and maintain your independence.

• Exclusive Shower Package – Only walk-in tub offering a standing shower option.

Call now toll free

1-888-960-4053

for more information and for our Senior Discounts.

Financing available with approved credit.

Call today and receive exclusive savings of

$1500 OFF

Personal Hygiene Therapy System and Bidet

PLUS A FREE SHOWER PACKAGE! FOR A LIMITED TIME ONLY

Anti-Slip Tub Floor

Call Toll-Free 1-888-960-4053 Foot Massaging Jets

With purchase of a new Safe Step Walk-In Tub. Not applicable with any previous walk-in tub purchase.

Offer available while supplies last. No cash value.

Must present offer at time of purchase.

Wider Door, The Industry’s Leading Low Step-In CSLB 983603 F13000002885 13HV08744300

www.BuySafeStep.com

Questions & Answers

NARFE at Your Service didn’t make the election and you passed away, the surviving spouse wouldn’t qualify for the benefit. To make the election, it’s recommended that you mail it to OPM using a certified letter along with a copy of your marriage certificate and your CSA number.

Send it to: U.S. Office of Personnel Management Retirement Operations Center P.O. Box 45 Boyers, PA 16017-0045

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, 606 N. Washington St., Alexandria, VA, 22314-1914; or submit it by email to fedbenefits@narfe.org.

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

Call NARFE at:

800-456-8410, Option 2

AMERICA’S NUMBER ONE STAIRLIFT. AN ACORN STAIRLIFT IS THE SAFEST WAY TO USE THE STAIRS FOR THOSE WITH:

ü Joint pain in the knees, feet or back ü Mobility or balance issues

ACCREDITED BUSINESS

SAVE $275.00*

S PR I N G SPECIAL OF F E R

Plus receive your FREE stairlift buying guide, info kit & DVD!

ü Breathlessness or fatigue ®

CALL TO SAVE!

A+

Rating

DON’T WAIT, CALL TODAY!

1-866-706-8534 *Not valid on previous purchases. Not valid with any other offers or discounts. Not valid on refurbished models. Only valid towards purchase of a NEW Acorn Stairlift directly from the manufacturer. $275 discount will be applied to new orders. Please mention this ad when calling. AZ ROC 278722, CA 942619, MN LC670698, OK 50110, OR CCB 198506, RI 88, WA ACORNSI894OB, WV WV049654, MA HIC169936, NJ 13VH07752300, PA PA101967, CT ELV 0425003-R5, AK 134057, HIC.0656293.

22 2020_02_NARFE_Apr_HHoriz.indd | N O V 2 0 2 0

1

2/12/20 9:51 AM

Simplicity. Savings. Stauer®SMART

Best value for a Smartwatch...only $99!

3Xs the Battery Life of the top-selling Smartwatch

Smarten up S

ome smartwatches out there require a PhD to operate. Why complicate things?

Do you really need your watch to pay for your coffee? We say keep your money in your pocket, not on your wrist. Stauer®SMART gives you everything you need and cuts out the stuff you don’t, including a zero in the price.

Keep an eye on your health with heart rate, blood pressure** and sleep monitoring capabilities. Track your steps and calories burned. Set reminders for medicine and appointments. StauerSMART uses Bluetooth® technology to connect to your phone. When a notification or alert arrives, a gentle buzz lets you know right away.

When it comes to battery life, StauerSMART has one of the most efficient batteries available--giving you up to 72 hours of power. Most Smartwatches need to be charged every 24 hours. StauerSMART can get you through a three-day weekend without needing a charge.

This is the smarter Smartwatch. And, at only $99, the price is pretty smart too.

Satisfaction guaranteed or your money back. Try StauerSMART risk-free for 30 days. If you aren’t perfectly happy, send it back for a full refund of the item price.

Stauer®SMART • • • • • • •

Track steps and calorie burn Monitor heart rate, blood pressure & sleep Set reminders for medicine & appointments Get notified of emails & text messages Personalize the dial with your favorite pic Up to 72 hours of battery life per charge Supports Android 4.4+, ¡OS8.2 & Bluetooth 4.0+

Stauer®SMART gives you everything you want for only $99... and nothing you don’t.

Stauer ® SMART $299† Offer Code Price

$99 + S&P Save $200

You must use the offer code to get our special price.

1-800-333-2045 Your Offer Code: STW229-01

Rating of A+

Please use this code when you order to receive your discount.

• Supports Android 4.4+, iOS8.2 & Bluetooth 4.0+ • Silicone strap • Touchscreen with digital timekeeping • Stopwatch timer • Heart rate, blood pressure & sleep monitor • Fitness tracker • Notifications: text, email, social media, & calendar alerts • Alarm clock • Water resistant to 3 ATM • USB charger included

Stauer

Emails and texts alerts

Find my phone

Monitor heart rate

Track steps and calories

® 14101 Southcross Drive W., Ste 155, Dept. STW229-01, Burnsville, Minnesota 55337 www.stauer.com

* Please consult your doctor before starting a new sport activity. A Smartwatch can monitor real-time dynamic heart rates, but it can’t be used for any medical purpose. † Special price only for customers using the offer code versus the price on Stauer.com without your offer code.

Stauer… Afford the Extraordinary.®

Cover Story

From

Military

24

| N O V

2020

Service to Civil Service

By Everett A. Chasen

Three wounded warriors discuss their transitions to civilian federal jobs

On April 12, 2004, Joe Bowser was wounded during an enemy rocket attack in Balad, Iraq. He lost the lower part of his right leg and suffered shrapnel injuries and nerve damage to his left hand.

Bowser, who served in the Army from 1980 to 1983, was a U.S. Postal Service mail carrier in Lexington, KY, for 18 years. He was also a reservist who returned to active duty in 2003. After spending more than two years in recovery and rehabilitation at Walter Reed National Military Medical Center following the rocket blast, Bowser resumed his government career. “I knew I wasn’t going to be able to go back to carrying mail, though,” he recalls.

Walter Reed offers a program called Operation Warfighter, in which recovering wounded warriors work part-time at different organizations for up to four hours a day.

“I worked at the Pentagon” supporting two deputy secretaries of defense, Bowser says. “When I was medically retired from the service in 2006, I worked for the Department of Veterans Affairs (VA) for about a year. Then a job came up at DoD [the Department of

Defense] I didn’t think I’d get, but a number of people on the interview panel remembered me. It was the easiest interview I ever had.”

“Returning to government just made sense,” he says. “I already had 18 years in—so now I have 34 years of service.” For warriors returning to the workplace, Walter Reed holds regular job fairs in which many government agencies participate. “I think the agencies feel comfortable with people who have been in the military,” Joe speculates. “They certainly know they’re trainable!”

“Lots of people came to Walter Reed to help us out,” he continues. “They wanted to be sure we were successful in our transition to civilian life.”

For 13 years, Bowser worked in the Office of the Secretary of the Army, serving five secretaries on issues related to wounded warriors and the Army’s continuation of

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

|

25

Joe Bowser, a lifelong hockey player from Ohio, has played for the USA Warriors for several years following a rocket attack in Iraq that severely injured his right leg. The team of retired and active-duty service members with VA-rated disabilities use the sport to help with rehabilitation and find cameraderie.

operations program. He kept track of soldiers newly admitted to Walter Reed, arranged for them to be visited by senior leaders, and supported them when they were ready to be discharged. He still keeps in touch with many of them.

In April 2020, he started a new job working for the deputy undersecretary of the Army on operational security and antiterrorism issues.

While moving into his new office, the COVID19 pandemic hit, so he’s been working from home ever since.

Bowser says DoD has been “really accommodating” of his injuries. “They even offered me a Segway to get around the Pentagon.” The building includes an office filled with adaptive equipment. “Tell them what you need, and they’ll square you away.”

His military service has helped him succeed. “When I visit Walter Reed and accompany the secretary, I tell the wounded warriors about our service. You can see them relax. I’ve been where the wounded are at.

I understand there are times when you’re down, but when you see someone who’s living life again, you see the light at the end of the tunnel,” he explains.

Bowser offers this advice to transitioning service members: “If you don’t know the answer to a question you’re asked, don’t fake it. Just tell them you don’t know the answer right now, but 26

| N O V

2020

you’ll get back to them. That way, people will know you’re someone they can count on.”

“Before you take a job,” he concludes, “make sure it’s something you’re going to like.

If you’re bored, that’s when you struggle. But if you get into a job you love, that’s great. I love helping people and seeing them progress.”

VETS TURNED FEDS

In 2014, the Office of Personnel Management (OPM) released the “Governmentwide Veterans Recruitment and Employment Strategic Plan,” committing the federal government to strive to be America’s model employer of veterans. Veterans, the plan said, should be valued for their leadership, experience, skills, dedication and commitment to public service. Agencies were directed to increase employment and improve retention of veterans, including disabled veterans.

Although the 2014 plan has not been updated, it is still supported. “Our veterans possess a wide variety of skills and experience, as well as the motivation for public service that will help fulfill federal agencies’ needs.

It is therefore the policy of the federal government to enhance recruitment and promote employment opportunities within the executive branch, consistent with merit system principles and veterans’ preferences provided by law,” says an OPM spokesperson.

“ Before you take a job, make sure it’s something you’re going to like.

If you’re bored, that’s when you struggle. But if you get into a job you love, that’s great. I love helping people and seeing them progress.”

Every federal agency should have a veteran employment project manager responsible for promoting recruitment, training and development and retention within the agency.

Each agency has a written policy on the employment and advancement of disabled veterans, with an additional focus on veterans who are 30 percent or more disabled.

In addition, the Feds Hire Vets website (www.fedshirevets.gov) is an OPM resource center providing information on hiring to veterans, their family members and agency hiring officials. The Department of Labor’s Transition Assistance Program (www.dol. gov/agencies/vets/programs/tap) provides information, tools and training, including employment help, to aid service members and their spouses successfully transition from the military to civilian life.

In fiscal year 2017, 633,386 veterans worked for the federal government—31.1 percent of the total federal workforce. Veterans with disabilities numbered 273,428, or 13.4 percent of the total workforce and 43.2 percent of all veterans in it. Those with disabilities rated at 30 percent or more numbered 172,882—8.5 percent of all employees and 27.3 percent of all veterans.

“The government increased total veteran new hires from 24 percent in FY 2009 to 28.1 percent in FY 2017,” OPM points out.

However, in a report to Congress published in July 2020, the Government Accountability Office (GAO) noted that after controlling for key demographic and employment factors,

“veterans left federal service at higher rates (6.7 percent vs. 5 percent between fiscal years 2014 and 2018) than nonveterans. Veterans hired in the last five years left at even higher rates (18.7 percent vs. 11 percent) than newly-hired nonveterans.” They also resigned 1.6 times more often than nonveterans.

Among the reasons GAO cited for this disparity were veterans’ satisfaction with the meaningfulness of their work, their relationships with their supervisors, and their not being content with opportunities for advancement. GAO recommends OPM provide data from the annual Federal Employee Viewpoint Survey to individual agencies and help them analyze their personnel data and employee feedback or exit surveys to identify trends that may enable the agencies to find opportunities to improve the retention of veteran employees and others.

Despite these statistics, many veterans, like Joe Bowser, have made successful transitions to federal careers and have found great purpose in their new roles.

FINDING HIS NICHE

Hilbert Caesar, a government contract specialist living in York, PA, has worked for a number of federal agencies during his civil service career: the Department of Health and Human Services, the Department of Veterans Affairs (VA), the Defense Logistics Agency and, since 2016, the Department of Education.

“I love my work,” he tells us. “I’ve been in procurement since 2005, when I first came W W W. N A R F E . O R G

|

27

LEFT: Army Staff Sgt. Hilbert Caesar, left, and Spc. Alex Leonard relax after wheeling handcrank bicycles for five miles through Central Park in the Achilles Track Clubs annual Hope & Possibility 5 Miler. Both soldiers lost their right legs while serving in Operation Iraqi Freedom.

Photo by Sgt. Lorie Jewell, U.S. Army RIGHT: Caesar, a native of Guyana and now a U.S. citizen, chats with another new citizen after ceremonies at the U.S. Immigration and Naturalization Office in Arlington, VA, Aug. 3. Caesar, who lost his right leg during an improvised explosive device attack in Iraq on April 12, was one of four servicemembers to receive their citizenship.

Photo by Sgt. 1st Class Doug Sample, U.S. Army

into government. I retired from the military in January of that year and started working for the VA a month later.”

Caesar signed up for the Army in 1998 after community college and a succession of odd jobs. “I just got tired of doing that,” he recalls. “I wanted to travel and serve our country, so I went into the military.”

He served in Fort Sill, OK, and in South Korea, Germany and Kosovo before being deployed to Iraq in March 2003. In April 2004, he lost his right leg when a roadside bomb went off in his vicinity. Caesar recuperated and received a prosthetic limb at Walter Reed. While there, he was offered the opportunity to work part-time for the VA on a volunteer basis, to help find a profession he might be interested in pursuing.

“I came into information technology (IT) and learned how to disassemble laptops and wipe them clean,” he says. “I wasn’t really interested in that, though, so I asked to go to a different program. I interviewed with several departments—but when I got to acquisitions, that was me!”

“I’m a kid from New York City with some street smarts, and I’m accustomed to negotiation. That’s one of the major skills any acquisition specialist needs. I worked as a volunteer from June through December 2004. Then I retired from the Army and was offered a paid three-year internship by VA as soon as I retired.”

Caesar plans to continue working for the government until he is retirement eligible. He believes his military service has been very 28

| N O V

2020

helpful to his career. “I was a staff sergeant and had my own team, so I learned leadership qualities and about loyalty, teamwork and how to work with people from all walks of life. I also learned about cultural differences and diverse perspectives.

“I would definitely recommend people leaving military service come out and work for the federal government. Veterans know how to come in and take charge. We know how to lead, and we know how to follow.

“It’s a great second career, and you can hit the ground and start running. But the most important thing is you continue to serve. It’s a different path, but you still help your country.”

HELPING OTHER SERVICE MEMBERS MAKE THE LEAP

Lonnie Moore works for the federal government supporting disabled service members making the transition to civilian life.

“I work for the Army’s recovery care program,” he tells us. “We provide policy and program oversight for the soldier readiness units that take care of more seriously wounded soldiers as they transition either back to the Army or out of the military. I also work on career and education readiness programs to help them go back to active duty, school or work if they can. We help bridge the gap for them and bring them into social networks that can also help.”

Moore lost his right leg above the knee to a rocket-propelled grenade blast in Iraq in 2004.

He had been in the Army for more than seven years. He left the service after recuperating

OPEN SEASON 2020

NOV 9TH THRU DEC 14TH www.apwuhp.com | (800) PIC-APWU No deductible, no coinsurance*

Affordable premiums and extra benefits

Choose any provider you wish*

APWU Health Plan serves federal employees and retirees with diligence and compassion.

We’re here to help you get the most from your plan. With Medicare A&B:

Go ahead, take advantage

• • •

MEDICARE

MEDICARE Part A

MEDICARE

Part Part A A

=

+

MEDICARE

MEDICARE Part B +

MEDICARE

+

Personal service from people who care

Your deductible and coinsurance is waived Have access to a stronger prescription coverage than Part D Choose any physician or facility that accepts Medicare

APWU HEALTH PLAN

APWU HEALTH PLAN APWU HEALTH PLAN

High Option + + Part B HighOption Option Part B * High +

100% coverage 100% coverage for yourcoverage medical bills 100%

= for your your medical medicalbills bills

*High Option members when Medicare Part A and B pay as primary

2020 APWU Health Plan High Option premiums

2020 HealthPlan Plan HighOption Option premiums 2020 APWU APWU Health High premiums Enrollment code Federal monthly retirees pay

2021 Monthly Premiums Coming Soon!

Self Only

Self Plus One Self and Family

Self Only Only Self

471

Enrollment code Enrollment code 473

$215.38

Federal monthly retirees pay pay Federal monthly retirees $432.77

#BetterTogether60+Years 472 $558.89 471 471

$215.38 $215.38

LEFT: Lonnie Moore and fellow lieutenants receive their Combat Infantry Badges at Fort Riley, KS, in 2002. Center: Moore and his family on vacation in Germany in 2019.

RIGHT: Moore three-track skiing at Steamboat Springs, CO, in January 2020.

from his injury and worked for a firearms manufacturer for a time. In 2007, Moore got a position at the Wounded Warrior Project, an organization that offers programs, services and events for wounded veterans of the military who have been serving since Sept. 11, 2001.

“ Seeing a soldier walk out of the Army, or back into his or her unit and being successful, I don’t think you can have much more job satisfaction than that.”

“In 2008,” Moore says, “the chief of staff at medical command was looking for someone working with wounded warriors, because the Army was standing up wounded warrior transition units at that time. I’ve been working there since then, and I love it. This is my passion, and I’ll do it in some form or fashion for the rest of my life.”

Over the years Moore has talked to many service members thinking about a government career to ensure that the Army’s program is running effectively. “We encourage people to go into the government and have programs to help them do it.” He cited Operation Warfighter, which Joe Bowser participated in.

Moore believes interested service members should be patient in their job search and ensure their resumes apply directly to the job they are applying for. “[Federal agencies] want to make sure they hire the right person, and that you have the skill set you’re supposed 30

| N O V

2020

to have. It’s very rare you walk right into a federal appointment. It’s not like Home Depot where you can be hired on the spot.”

He mentions unique federal employment programs veterans can apply for, including veterans preference for disabled vets and the option to buy back military service time so they can get a better pension. “Those are things I didn’t understand when I first came into federal service,” he says, “but they are very important for veterans in the government to know about.” He believes the government is very good about providing reasonable accommodations for disabled veterans.

Moore’s service in the Army has helped him in many ways. “I learned team-building both as an enlisted man and an infantry officer. You accomplish nothing in the combat arms world without being a team. You learn things like empathic and active listening—and that if you take care of your people, they’ll take care of you.”

“I’m able to speak the jargon to the soldiers and families I talk to and can understand the situation they’re in and listen and help where I can. This skill wouldn’t translate to everything in the federal government, of course, but it certainly translates to what I do.”

“The reason I love working for the government is you get to have a direct impact on people. I’ve done nonprofit work and you can affect legislation—but when you work for the government, you have a direct effect on the people you’re serving. Seeing a soldier walk out of the Army, or back into his or her unit and being successful, I don’t think you can have much more job satisfaction than that,” he concludes.

—EVERETT (EV) A. CHASEN IS A WRITER AND COMMUNICATIONS CONSULTANT IN THE WASHINGTON, DC, AREA. HE IS RETIRED FROM THE FEDERAL GOVERNMENT AFTER 35 YEARS OF SERVICE.

FEDERAL EMPLOYEES AND RETIREES, GET EARGO’S VIRTUALLY INVISIBLE HEARING AIDS AT NO COST!* Bring your world to life with our 4th generation virtually invisible hearing loss solution. Eargo Neo HiFi features our most powerful hearing aids yet. They sport richer, more natural sound quality and smart feedback cancellation, so you can hear life to the fullest.

Every Eargo hearing loss solution includes: A pair of FDA cleared hearing aids & portable charging case Lifetime remote support from licensed hearing professionals Our mobile app to customize each Eargo independently A two-year warranty for extra peace of mind Convenient and free shipping to your home No in-person tests or appointments

Active and retired federal employees can receive Eargo at no cost* through their FEHB insurance plan.

Call 1 (800) 619-3890 or visit get.eargo.com/mynarfe today *Your out-of-pocket costs may vary depending on plan benefits, eligibility, deductible, co-insurance, and model of device chosen.

Benefit is not available through all insurance plans. Please consult your plan for coverage details.

UNDERSTANDING

HSAs

By David Tobenkin

Health Savings Accounts (HSAs) and Flexible Spending Accounts

(FSAs) are tax-advantaged savings programs that can add a lot to many federal employees’ bottom lines.

32

| N O V

2020

During the Federal Employees Health Benefits (FEHB) program Open Season, which runs from November 9 through December 14 this year, employees will have an opportunity to join a high-deductible health plan (HDHP), which is a prerequisite to establishing an HSA. In these FEHB plans, the plan contributes an amount, usually about $1,000 for a Self Only enrollment and double that for Self and Family, at no cost to the employee beyond the regular enrollee share of premium.

Federal employees who are not in HDHP plans will instead be able to enroll in FSAs, which, like HSAs, allow federal

employees to use pre-tax dollars to pay for medical and dependent care expenses in the following annual benefit period. This story focuses on HSAs. For a rundown on FSAs, read NARFE Magazine’s October 2018 article at www.narfe.org/pdf/fsas_for_feds.pdf.

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

|

33

HDHPs AND HSAs

HSAs can potentially be an important source of wealth creation for federal employees because they are triple tax-advantaged and can be carried into retirement, retained and added to over time, and invested in mutual funds that can earn more than money held in savings accounts.

Untaxed income can be placed into an HSA, shielding it from taxation (tax advantage one); earnings in the HSA are not taxed while in the account (tax advantage two); and there is no tax on money taken out of HSAs for qualified medical costs (tax advantage three).

Essentially, account holders use money saved from lower insurance premiums charged by HDHPs compared with traditional health plans and sock it away into a pool that continues to grow over time, potentially yielding a large pot of money that can be used for qualified medical expenses at any time without paying taxes. At or after age 65, the funds can even be used for nonmedical expenses as long as policyholders pay the same taxes on withdrawals that they would with any non-ROTH individual retirement account (IRA) investment. HSAs cannot be created or contributed to upon enrollment in Medicare, though preexisting HSA accounts can still grow as investments and can continue to be drawn down.

There are some catches, though. First catch: Any money taken out of an HSA and used for nonmedical expenses will be taxed, and, if withdrawn when the policyholder is under age 65, also will be subject to a 20 percent penalty.

Second catch: To open an HSA, as noted, one must enroll in an HDHP. These health plans shift some of the risks of health care costs to policyholders by establishing higher deductibles before the plan assumes responsibility for many types of health care costs.

But such plans under the FEHB program offer contributions to help 34

| N O V

2020

cover those deductibles and often have lower catastrophic limits (the caps upon employee contributions after which the plan pays 100 percent of in-network costs). Several experts interviewed said that most federal employees would come out ahead by using an HDHP over a provider’s comparable standard deductible plan (all FEHB health care providers that offer HDHP plans also offer standard deductible plans).

Analyzing current 2020 HDHP plans versus traditional ones from the same health insurance carriers in the Consumers’ Checkbook online guide, which has an FEHB plan comparison tool, the results show that many HDHPs are more advantageous than the same carrier’s standard deduction plans under all four health expense scenarios that the guide provides for consumers.

Many federal agencies have paid for access to the online guide, and a webpage (www.checkbook.org/newhig2/year20/ more.cfm) states how federal employees at different agencies may access this information. Annuitants must pay for the guide, but NARFE members can obtain a 20 percent discount by using the promo code 20NARFE at www. guidetohealthplans.org. The Office of Personal Management (OPM) also has a tool for comparing health plans on its website.

HSAs can potentially be an important source of wealth creation for federal employees because they are triple tax-advantaged and can be carried into retirement, retained and added to over time.

Wherever a job is also an honor, MetLife Federal Dental is with you.

You’ve earned coverage that offers one of the nation’s largest dental networks.

Find out more:

MetLife.com/FEDVIP-Dental 1-888-865-6854

With a MetLife Federal Dental Plan, Federal employees and annuitants receive discounts of up to 45%* and access to over 472,000 participating dentist locations.

When Open Season begins November 9, 2020 EST, be sure to choose the plan that’s with you wherever you are.

*Based on MetLife data. Savings from enrolling in the MetLife Federal Dental plan will depend on various factors, including the cost of the plan, how often you visit the dentist and the cost of services rendered. Like most group benefits programs, benefit programs offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. For more information please view the Federal Dental Plan Brochure, which will govern the terms of the plan and can be viewed by visiting MetLife.com/FEDVIP-Dental.

L0920007634[exp0921][All States] © 2020 MetLife Services and Solutions, LLC.

Almost everyone should consider using an HDHP—most find it an excellent choice,” says Walt Francis, a health plan expert affiliated with Consumers’ Checkbook.

“Almost everyone should consider using an HDHP—most find it an excellent choice,” says Walt Francis, a health plan expert affiliated with Consumers’ Checkbook. “Yet, the general reluctance of federal employees to consider switching plans during Open Season means only a small fraction of federal employees actually do so.”

Third catch: If you (and your spouse, if you have family coverage) have HDHP coverage, you generally can’t have any other health coverage. However, you can still be an eligible individual, even if your spouse has non-HDHP coverage, provided you aren’t covered by that plan.

Who might not be good candidates for HDHPs? Employees who continuously have high health expenses year after year, “such as policyholders with prescription drug choices that cost two or three thousand dollars year in and year out,” Francis notes.

“Do the math as to whether HSAs will actually allow you to save,” says Candice Sanchez, executive director for Aetna’s Federal Employee Health Benefits Plans.

Another group who might hold off on participating in HDHPs are new federal employees who may have lower income, debt from higher education and few financial resources to front the deductible costs before HDHP policy coverage kicks in, says Shawn Steel, CFP, JD, a financial planner and attorney at Reston, VA-based financial advising firm ClearLogic Financial, Inc. 36

| N O V

2020

However, Steel notes that once employees save a reasonable emergency fund to cover three to six months’ worth of expenses, they likely will save money in an HDHP over a standard deductible plan.

HSA DETAILS AND PICKING AN HDHP/HSA

In 2020, HSA holders may contribute up to $3,550 to their HSAs for individuals electing single coverage under an HDHP, or $7,100 for a family HDHP. If the money is not used for medical expenses, it stays in the HSA and grows that account.

Unlike FSAs, nothing added to the HSA is subject to a “use or lose” penalty, so these contributions more than make up for not having an annual FSA account, Francis says. At or after age 55, employees taking advantage of HSAs are also eligible for “catch up” contributions of an additional $1,000 in contributions per year, until enrolled in Medicare.

Within FEHB plans, each HDHP is paired with an associated HSA. Every HDHP plan brochure details the ins and outs of the associated HSA. Investment adviser Morningstar has an exhaustive, publicly available guide that describes what makes an HSA relatively more desirable and lists what it considers are the top providers: www.morningstar.com/articles/947613/ our-2019-rankings-of-11-top-hsa-providers.

As a rule, however, Francis and Steel say that those considering HDHPs should focus on the plan’s health coverage and fee structure rather than the HSA details, as the expenses of paying out of pocket or out of network for treatments or physicians not included in a plan could otherwise reduce or eliminate the potential savings of an HDHP and associated HSA.

MAXIMIZING HSAs

Many HDHP policyholders with HSAs keep the entire HSA balance in low-yield savings accounts and fail to take advantage of the ability to put monies in higher yield mutual funds that will likely grow their money more over time. To use HSAs as longterm savings vehicles, Steel recommends keeping enough in cash to pay for a year’s deductibles and copays and investing

!

N IO T C U D O R P Y C N E G R E EM

Actual size is 40.6 mm

Rush Production of U.S. Silver Dollars Creates 2nd Lowest Mintage in History

The Mystery of Silver Bullion A coin’s value is often tied to its rarity.

One way to determine a coin’s rarity is by its mint mark—a small letter indicating where a coin was struck. Since Silver Eagles are almost always produced solely in West Point, the coins don’t feature one of these mint marks. But this year’s Silver

2,000,000

2015-P

2020-P

2017-P

2016-P

0

2017-S

1,000,000

1996

For just 13 days, the U.S. Mint struck an “Emergency Production” run of U.S. Silver Dollars at the Philadelphia Mint.

This was great for silver buyers, and really great for collectors. Here’s why:

2nd Lowest Mintage (240,000)

3,000,000

1994

Philadelphia Steps Up

4,000,000

1997

West Point, the U.S. Mint branch that normally strikes Brilliant Uncirculated (BU) Silver Eagles, went into lockdown.

Prices quickly shot up, and freshly struck Silver Eagles became much harder to find at an affordable price. To meet the rising demand, the U.S. Mint knew it had to act—and act fast.

5,000,000

1995

U.S. Mint Halts Production

Eagles were also produced in Philly—so few (a scant 240,000) that they are now the second smallest mintage of Silver Eagles ever struck! So how do we tell a 2020(W) Silver Eagle from a 2020(P)?

2016-S

O

ne of the most popular ways to buy silver is the Silver Eagle— legal-tender U.S. Silver Dollars struck in one ounce of 99.9% pure silver.

When the COVID-19 pandemic began sweeping the world, demand skyrocketed.

But there was a problem...

Certified “Struck at” Coins Numismatic Guaranty Corporation (NGC) is one of the world’s leading third-party coin grading services. Thanks to some skilled detective work, they have certified these coins as being struck at the Philadelphia Mint during this special Emergency Production run. What’s more, a number of these coins have been graded as near-flawless Mint State-69 (MS69) condition—just one point away from absolute perfection!

Buy More and Save!

We’re currently selling these coins for $79 each. But you can secure them for as low as $59 each when you buy 20 or more and mention the special call-in-only offer code below. Call 1-888-201-7639 now!

Date: Mint: Weight: Purity: Diameter: Mintage: Condition: Certified:

2020 Philadelphia (P) 1oz (31.101 grams) 99.9% Silver 40.6 mm 240,000 Mint State-69 (MS69) Emergency Production

2020(P) Emergency Production American Eagle Silver Dollar NGC MS69 Early Releases —$79 1-4 coins — $69 each + s/h 5-9 coins — $67 each 10-14 coins — $65 each 15-19 coins — $63 each 20+ coins — $59 each FREE SHIPPING on 3 or More!

Limited time only. Product total over $149 before taxes (if any). Standard domestic shipping only. Not valid on previous purchases.

Call today toll-free for fastest service

1-888-201-7639 Offer Code EPE228-01

Please mention this code when you call.

GovMint.com • 14101 Southcross Dr. W., Suite 175, Dept. EPE228-01 • Burnsville, MN 55337 GovMint.com® is a retail distributor of coin and currency issues and is not affiliated with the U.S. government. The collectible coin market is unregulated, highly speculative and involves risk. GovMint.com reserves the right to decline to consummate any sale, within its discretion, including due to pricing errors. Prices, facts, figures and populations deemed accurate as of the date of publication but may change significantly over time. All purchases are expressly conditioned upon your acceptance of GovMint.com’s Terms and Conditions (www.govmint.com/terms-conditions or call 1-800-721-0320); to decline, return your purchase pursuant to GovMint.com’s Return Policy. © 2020 GovMint.com. All rights reserved.

THE CARES ACT’S EFFECT ON HSAs AND FSAs Passed earlier this year, the federal Coronavirus Aid, Relief, and Economic Security (CARES) Act has increased the benefits of certain HSA and FSA provisions. For plan years through December 31, 2021, HDHPs/HSAs can cover the cost of telehealth services before a patient has met the plan deductible. Normal cost-sharing can still be imposed for telehealth visits.

There are also two permanent changes that apply retroactively to purchases beginning Jan. 1, 2020. First, the law permanently reinstates over-the-counter medical products as eligible expenses for HSAs, certain HRAs and FSAs without a prescription. Second, these accounts may now allow certain menstrual care products, such as tampons, pads, liners and cups, sponges, and similar products as eligible medical expenses.

the rest in a reasonable range of mutual funds that have low expense ratios.

Another key issue is the most desirable order of savings given a limited pool of disposable income. Steel recommends first paying off high-priced debt like credit cards balances, then paying into the Thrift Savings Plan (TSP) to get the match from the federal government, then splitting funds among a Roth TSP, a Roth IRA or the HSA, given their tax advantages.

USE IN LATER YEARS

HSAs can be useful as a bridge to cover any health care cost gaps between the end of employment and the start of Medicare eligibility, notes Carol Schmidlin, CFF, MRFC, president of Sewell, NJ-based financial advisory firm Franklin Planning.

For those still working after 65 (Medicare eligibility age) and not yet taking Medicare because it will be “secondary” and not worth the cost until retirement, Francis says that individuals with HDHPs and HSAs potentially have the 38

| N O V

2020

ultimate savings vehicle—the ability to continue to contribute on a triple-taxadvantaged basis in an HSA and withdraw such funds at any time for any use.

Using HSA dollars before TSP dollars to fund health expenses in retirement makes sense because HSA funds used for that purpose are not taxed, whereas distributions from a 401(k) would be, Steel notes.

Amounts amassed in an HSA also could be useful to hedge against the risk of long-term care in retirement. HSAs can pay long-term care insurance premiums for qualified long-term care contracts on a tax-free basis up to a specified age-based dollar limit.

When deciding whether to sign up for an HDHP, read the plan details, calculate whether it’s financially beneficial for you, and consider this advice from Steel: “Generally, I would go with the HDHP, as with the Health Care FSA you risk losing anything you do not use above $500, which creates stress, and because an HSA has growth potential.”

—DAVID TOBENKIN IS A FREELANCE JOURNALIST IN THE GREATER WASHINGTON, DC AREA.

Over 2 carats of Verdant Peridot in precious .925 sterling silver

ONLY $39

Save $260!

“Known as ‘the Evening Emerald’ because its sparkling green hue looks brilliant any time of day.”

— The American Gem Society (AGS)

Ooh and Ahh Without the Ouch Spoil her (and your wallet) with sparkling Verdant Peridot for just $39

G

oing over the top on jewelry doesn’t have to mean going overboard on the cost. We’re in the business of oohs and ahhs without the ouch, which is why we can bring you an effervescent verdant peridot ring for a price that simply can’t be beat.

Its vivid and unique color makes verdant peridot unlike any other green gemstone.

If you are looking to mark a milestone or make any occasion special, the Verdant Peridot Ring is all you need.

1/3

carats of captivating verdant This elegant ring features 2 peridotA. in three perfectly-faceted cushion cut gemstones. And, the .925 sterling silver setting is finished in tarnish-resistant rhodium for added durability and superior shine.

“Found in lava, meteorites, and deep in the earth’s mantle, yellow-green peridot is the extreme gem” — Gemological Institute of America’s Gem Encyclopedia

PRAISE FOR STAUER PERIDOT JEWELRY You could easily “...absolutely beautiful. The picture spend $400 on a sterling silver ring set does not do it justice. It is a real stunner.” – S. C., Berkeley, CA with peridot stones.

But, with Stauer in your corner, the sky’s the limit for affording the extraordinary. Priced at just $39, you can treat her to the Verdant Peridot Ring set in .925 sterling silver and save your money and your love life all at the same time.

Satisfaction guaranteed or your money back. Indulge in the Verdant Peridot Ring for 30 days. If you aren’t perfectly happy, send it back for a full refund of the item price.

Limited Reserves. Don’t let this gorgeous ring slip through your fingers. Call today!

Verdant Peridot Ring (2 ¹⁄2 ctw) $299†

$39 +S&P Save $260

You must use the insider offer code to get our special price.

1-800-333-2045

Your Insider Offer Code: TPR177-02 Please use this code when you order to receive your discount. † Special price only for customers using the offer code versus the price on Stauer.com without your offer code.

Stauer

®

14101 Southcross Drive W., Ste 155, Dept. TPR177-02, Burnsville, Minnesota 55337 www.stauer.com

Rating of A+

• 2 ¹⁄3 ctw Verdant Peridot • White zircon accents • Rhodium-finished .925 sterling silver setting • Whole sizes 5-10

Stauer… Afford the Extraordinary.®

Open Season Report

PEN SEASON REPORT

2020 OPEN SEASON: NOVEMBER 9 – DECEMBER 14

FEHB PREMIUMS

A

s of press time (October 6, 2020), the Office of Personal Management had not announced the 2021 premium rates for the Federal Employees Health

Benefits (FEHB) program or the Federal Vision and Dental (FEDVIP) program. As a result, we are not able to provide the rates or report on the plans available for 2021 in this issue.

NARFE will publish this information online at www. narfe.org as soon as it becomes available and will also include this information in the December 2020 issue of NARFE Magazine.

WHAT TO DO NOW

Open Season doesn’t start until November 9. Even once the premium information comes out, additional materials become available closer to the start of Open Season. NARFE created a webpage to provide one-stop access to FEHB, FEDVIP and FSA program information at www.narfe.org/open-season.

Don’t have access to the web?

Don’t worry. You can call NARFE for a printed version of the rates.

Please call 1-800-456-8410, ext.

1, for your copy. If you have not received your December issue

by November 24, you can also 40

| N O V

2020

call this number to have a copy mailed to you.

We’ve also put together a comprehensive Q&A specific to Open Season on the pages that follow, along with fast facts and helpful tips to consider as we head into Open Season.

DO YOUR RESEARCH

Even if your current plan meets your needs, don’t assume there won’t be changes to the plan.

Make sure you look up whether your doctor is continuing to participate in your plan. Feefor-service (FFS) plans use preferred provider organizations (PPOs) and doctors to help contain program costs and keep premiums at a reasonable rate.

Usually, you will save a lot on out-of-pocket costs if you use your plan’s preferred hospitals and doctors. However, PPO

arrangements are business contracts that are not always renewed. New PPO arrangements can be made, but also can be discontinued from one year to the next. In addition, there may not be PPO arrangements in all parts of the country. If you are enrolled in an FFS plan or thinking of enrolling in one, you should check with the hospitals and doctors you use and ask them if they are PPOs in your plan. You also can review your plan’s PPO directory to see if your doctor or hospital is a PPO provider for your plan.

Be sure also to research copays, deductibles and other out-of-pocket expenses, which can change from one year to the next. A plan may have low premiums, but higher costs elsewhere. Don’t let premium costs be the sole reason you choose a plan.

For NARFE members with Medicare Parts A and B, spend time researching how plans coordinate with Medicare.

And tune in to NARFE’s two webinars on this topic in October and November. Free to NARFE members, they shouldn’t be missed.

LOOKING FOR THE FEDERAL HEALTH BENEFITS OPEN SEASON RATES? NARFE HAS YOU COVERED! Unlike in years past, rates were not released in time to be printed in the magazine. However, you can find everything you need to make informed decisions on NARFE’s Open Season portal at www.narfe.org/open-season.

Open Season runs from November 9 through December 14, 2020, and allows federal employees and retirees to enroll, change, suspend or cancel federal benefits coverages applicable to the 2021 plan year.

NARFE’s Federal Benefits Open Season portal is your one-stop shop for your health insurance needs. On the site you will find: • The 2021 rates for all the fee-for-service FEHB plans • The 2021 rates for the largest HMOs • The 2021 rates for the dental and vision plans (FEDVIP) • Three webinars FREE to members tackling your Open Season questions and concerns • Links to comprehensive plan guides • Information about enrolling in a federal flexible spending account (FSA) • Frequently asked questions and answers • And much, much more!

NEED PERSONALIZED ASSISTANCE REGARDING YOUR HEALTH CARE CHOICES? Contact a NARFE federal benefits specialist. Available by email (fedbenefits@narfe.org) or phone (1-800-456-8410), NARFE members have a responsive and reliable team of experts at their service.

UPCOMING NARFE WEBINARS Thursday, November 12 | 2 p.m. ET

Which FEHB Plan is Right for You?

James Marshall will discuss some simple steps Feds and retirees can take during Open Season to determine whether their current plan is the best one to keep.

Thursday, November 19 | 2 p.m. ET

So Many Choices: Which FEHB Plans Work Best with Medicare A & B? Tammy Flanagan will take an in-depth look at how FEHB plans coordinate with Medicare and review your best coverage options.

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

|

41

Open Season Report

FAQs FOR OPEN SEASON

W

hat are the parameters used to determine the dates for the annual Open Seasons for health, dental and vision insurances as well as for flexible spending accounts?

Each year, Open Season runs from the Monday of the second full workweek in November through the Monday of the second full workweek in December.

This year’s Open Season begins Monday, November 9, and ends Monday, December 14.

This is the time of year to ensure that you have the right health, dental and vision insurance coverage for you and your family.

It is also the time for current employees to consider how much money to put aside in flexible spending accounts for out-ofpocket medical and dependent care expenses for the upcoming year.

I

have had the same health insurance plan since the day I first joined the federal government years ago.

Why is it important to have Open Seasons every year?

Most Federal Employees Health Benefits (FEHB) plans will see benefit and rate changes for the upcoming year. Some plans might drop out of the program, and others may change their service areas or coverage options. There are many different types of plans available in just about any ZIP code. It is wise to review your coverage during this period each year to decide what coverage and

42

| N O V

2020

premium best suits your needs for the upcoming year.

Another program to consider during Open Season is the Federal Employees Dental and Vision Insurance Program (FEDVIP). Through this program, you have the option to supplement your health insurance plan with separate dental and/or vision insurance coverage that could potentially reduce your out-of-pocket costs for these types of care. You may also cancel your participation in these programs during this period.

A flexible spending account through FSAFEDS can save employees money through lower tax withholding. You can fund your account through pretax contributions from your salary and use the account to pay for health care out-of-pocket or dependent care costs.

Typically, you cannot enroll, change your enrollment or cancel your coverage in these programs outside of an Open Season unless you experience a qualifying life event.

W

hy are the enrollee shares for some Self Plus One enrollments the same or higher than Self and Family enrollee shares for the same plan?

The Office of Personnel Management (OPM) provided the following answer to that question: “For most enrollees, the enrollee share for Self Plus One will be lower than the enrollee share for Self and Family.

However, it is possible that some plans will have higher enrollee shares for self-plus-one enrollments than for self-andfamily enrollments.

The statutory formula that is used to calculate the government contribution is based on the average of all plan premiums and requires that OPM calculate a maximum contribution for each enrollment type.

In other words, there is a limit to how much the government will contribute toward the cost of a Self Only, Self Plus One or Self and Family enrollment. The government

CHOOSE HITTING YOUR STRIDE CHOOSE POSSIBLE GEHA believes that possible is in all of us.

That’s why we’ve designed five medical plans specifically for you. With plans that work with Medicare Parts A and B, you can keep doing your possible throughout retirement.

What will you choose?

Visit geha.com/Plans for more information MEDICAL BENEFITS for Federal Employees

geha.com /gehahealth

/company/gehahealth

© 2020 Government Employees Health Association, Inc. All rights reserved.

This is a brief description of the features of Government Employees Health Association, Inc.’s medical plans. Before making a final decision, please read the GEHA federal brochures – RI 71-006 (High and Standard Options), RI 71-014 (HDHP) and RI 71-018 (Elevate and Elevate Plus) – available at geha.com/PlanBrochure.

All benefits are subject to the definitions, limitations and exclusions set forth in the Federal brochure.

Open Season Report

IMPORTANT REMINDERS FOR EMPLOYEES

contributes the lesser of the maximum contribution or 75 percent of the total premium.

The remaining amount is the enrollee share (how much the enrollee must pay).

In some cases, such as plans with a premium cost that is above the program average, this calculation may result in a higher enrollee share for a Self Plus One enrollment than a Self and Family enrollment.”

W

hich benefit is the most important to consider?

The answer to that question can vary depending upon your medical needs in the upcoming year.

For those not enrolled in Medicare Part B, the catastrophic protection benefit is very important. It puts a dollar limit on what you must pay out of pocket in terms of co-payments and coinsurance for the expenses that the plan covers.

If a federal employee is married to another federal employee and they don’t have any eligible children under their FEHB plan, then it’s usually less expensive to maintain a separate Self-Only FEHB plan versus a shared Self-Plus-One plan However, you should consider using OPM’s online plan comparison tools and/ or the Consumers’ Checkbook Guide to Federal Health Plans to carefully compare your options, including physician networks and prescription drug coverage.

I 44

f I make an Open Season enrollment change and I have to go to the doctor | N O V

2020

• STAYING PUT. If, after reading your current plan’s brochure— particularly about changes and premiums for 2021—you decide to continue your current coverage, you do not have to do anything. Your enrollment in your current plan will continue into 2021, and the new premiums will be effective the first full pay period in January 2021.

• MAKING A CHANGE. You can use your agency’s online portal to make changes to your health benefits. To find the link, visit https://www.opm.gov/healthcare-insurance/healthcare/ plan-information/enroll/.

Most federal employees can also use OPM Form 2809 to make Open Season elections: www.opm.gov/forms/pdf_fill/ opm2809.pdf.

• FSAFEDS. A flexible spending account through FSAFEDS can save employees money through lower tax withholding.

You can fund your account through pretax contributions from your salary and use the account to pay health or dependent care costs. You must choose to reenroll in FSAFEDS each year—your participation will not automatically carry over from year to year. Your elections during Open Season are effective for the plan year that follows.

For more information, visit https://www.fsafeds.com/enroll/ open-season.

after January 1, which plan do I contact to provide the insurance coverage based on my visit?

If you are an annuitant, you should contact your new plan.

Your Open Season enrollment is effective January 1.

However, if you are an active employee, your new plan is not responsible for providing coverage until the effective date of your enrollment change, which for most active employees is the first day of the first full pay period in January.

As an active employee, if you need medical services before the effective date of your Open Season enrollment or change, you should contact your old plan.

Your old plan will provide coverage according to its new 2021 contract for care received in January before the effective

date of your new plan. These expenses will count toward your prior year’s deductible.

C

an I enroll online in the Federal Employees Dental and Vision Insurance Program (FEDVIP) without contacting the Office of Personnel Management (OPM)?

BENEFEDS is an enrollment and premium processing system sponsored by OPM that you must use to enroll in the Federal Employees Dental and Vision Insurance Program (FEDVIP).

BENEFEDS includes a secure website and a call center.

BENEFEDS also handles billing and premium administration.

It’s the only place to enroll in a FEDVIP plan. You enroll securely online at www.BENEFEDS.com or by telephone at 1-877-8883337, TTY 1-877-889-5680.

bcbsfepvision.com

TAKING CARE OF YOUR EYES IS ESSENTIAL TO GOOD HEALTH

A name trusted for 60 years, Blue Cross Blue Shield FEP VisionSM, gives you the coverage you need to keep your eyes healthy for years to come.

Regular eye exams can serve as a preventive health measure for people of all ages. Your eye exam can detect eye diseases as well as systemic diseases such as diabetes, thyroid disease, high blood pressure, and more.

Here’s why more federal employees choose Blue Cross Blue Shield FEP VisionSM: No copays for comprehensive eye exams. Basic lenses are included for High Option members.

Standard Option members have a small copay.

Accepted by 96,000+ points of access, including Visionworks, LensCrafters, Costco, Walmart, Sam’s Club, and independent providers.

Use your benefits for eyewear online at 1800contact.com, befitting.com, glasses.com, and visionworks.com.

Increased frame allowances for 2021: $200 for High Option and $140 for Standard Option.

We cover Transitions, Varilux progressives, and Crizal anti-reflective-coated lenses at low or no out-of-pocket cost.

OPEN SEASON IS COMING Enroll during the Federal Benefits Open Season: November 9 through midnight Eastern time December 14, 2020.

To enroll, visit BENEFEDS.com or give them a call 1-877-888-FEDS (3337), TTY: 1-877-889-5680.

Questions? Visit bcbsfepvision.com or call 1-888550-BLUE (2583), TTY: 1-800-523-2847. Download our BCBS FEP Vision app on the App Store® or Google

%

Exclusive Blue365® deals and discounts.

Play™ today. In addition, follow us on our new Facebook and Twitter pages @bcbsfepvision.

Open Season Report

I

s it possible to make a serious mistake in choosing an FEHB plan?

There really aren’t any bad plans in the FEHB. It’s just that there may be a plan that is better suited for you based on how and where you want to obtain your health care in the upcoming year.

Federal employees, retirees and their survivors enjoy the widest selection of health plans in the country. You can choose from among Consumer Driven and High Deductible plans that offer catastrophic risk protection with higher deductibles, health savings/reimbursable accounts and lower premiums, or fee-for-service (FFS) plans, and their Preferred Provider Organizations (PPO), or Health Maintenance Organizations (HMO) if you live (or sometimes if you work) within the area serviced by the plan.

Common mistakes include: enrolling in a costly plan or option when you don’t need one; a plan that doesn’t cover a specific benefit that you need; Self Only coverage when you need additional coverage or vice versa; or you enroll in a plan that requires you to use preferred providers and there are none in your area. You might also make

a mistake if you live outside the United States and Puerto Rico, and neglect to enroll in a plan that offers “overseas” benefits.

A

re there any useful tools online that can help me make decisions during this Open Season?

Several resources can help you understand the relationship between the three annual open season programs and aid you in choosing an FEHB plan or a FEDVIP plan. If actively employed, you also have resources to assist you with setting up a health care or dependent care Flexible Spending Account.

To find all the information you need to make informed decisions during Open Season in one place, start with NARFE’s Federal Benefits Open Season portal at www.narfe.org/openseason. Of particular interest are

CAUTION WHEN CHOOSING SELF PLUS ONE Make sure you do not pay more than you have to. In most cases, Self Plus One premiums are lower than Self Plus Family premiums.

However, thousands of enrollees have not switched from Self and Family even though they are eligible. However still, there are plans in which the enrollee premium for Self Plus One coverage is higher than the enrollee premium for Self and Family. Check your plan’s premiums for 2021 to make sure the Self Plus One premium is again lower than that of Self and Family. If family coverage is cheaper, you can remain in (or choose) the family plan.

46

| N O V

2020

three NARFE Federal Benefits Institute webinars dedicated to Open Season topics, including one on which FEHB plan is right for you, which will be streamed live on November 12.

You can use the following weblink to access the Office of Personnel Management’s FEHB plan comparison tools once 2021 rates are made public: www. opm.gov/healthcare-insurance/ healthcare/plan-information/ compare-plans/. You should also review the brochure for each plan that you consider. Most of the FEHB plans also offer tools on their individual websites that you might find useful. If you have questions about a specific plan, call the customer service phone number provided for the plan.

For a more sophisticated set of online tools, consider using the Consumers’ Checkbook Guide to Health Plans for Federal Employees. Some agencies have purchased access to this program for their employees, so if you are actively employed, refer to the following web link to see if your agency has secured access for you: https://www.checkbook. org/newhig2/year21/more. cfm. If you don’t currently work for an agency that provides such access, you can use the discount code 20NARFE to receive 20 percent off the

Have questions about your benefit options?

Federal retirees, let’s chat live about your health plan coverage.

At Aetna, caring for the whole you starts with clear answers to your questions. That’s why the Aetna Federal team is available to talk with you on the phone or chat online about Medicare and your FEHB plan options.

And if you’re turning 65, that may include plans with: • Low monthly plan premiums • Nationwide and prescription coverage

• Low or no out-of-pocket costs for medical services if you also have Medicare Parts A and B*

Schedule a one-on-one callback at AetnaFedsLive.com Or view plan information at AetnaFeds.com/retireeplans *And if Medicare is primary.

Aetna Medicare is a HMO, PPO plan with a Medicare contract. Enrollment in our plans depends on contract renewal. See Evidence of Coverage for a complete description of plan benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by service area.

This is a brief description of the features of these Aetna health benefits plans. Before making a decision, please read the plan’s applicable federal brochure(s). ©2020 Aetna Inc. Y0001_GRP_4002_2892_2020_M 04/2020 19.12.339.1 B (4/20)

Open Season Report

regular cost of using the website.

The site also offers some “Open Season Tips” at www. checkbook.org/newhig2/year19/ advice/11-fehb-open-season-tips.

FSAFEDS has tools and calculators on its website to assist employees with determining the appropriate amount they might want to set up in a flexible spending account during the Open Season for any qualified expenses they anticipate incurring in the upcoming year. These tools are available at the following link: https://fsafeds.com/support/ savingscalculators.

I

n my agency, who can I go to for assistance or answers to my Open Season questions?

For help with or questions about your Open Season options, contact your human resources

following weblink for contact details: https://apps.opm.gov/ abo/index.cfm#list.

If you have remaining questions that your agency can’t address, contact NARFE’s Federal Benefits Institute at fedbenefits@narfe.org.

M

y monthly annuity barely covers the cost of my current FEHB monthly premium. Once the 2021 FEHB premiums and annuity cost-of-living adjustment are announced, what are my options if my FEHB premium exceeds the amount of my monthly annuity?

Each year, OPM attempts to notify annuitants when they see that annuitant’s FEHB plan monthly premium will exceed their expected monthly annuity in the upcoming year. During the annual Open Season,

However, OPM understands that annuitants might want to keep their current FEHB plan for personal reasons, even if it will exceed their monthly annuity. In such cases, OPM allows annuitants to keep the same FEHB plan and arranges for the annuitants to pay OPM the difference each month.

Once an annuitant makes that decision, OPM will send the annuitant a letter with instructions on how to pay OPM the difference moving forward.

W

hat happens if I do nothing during an Open Season?

You will continue to be covered by your present insurance plan unless your plan drops out of the program or reduces its service coverage area. However, your benefits, premiums and/or coverage options may change.

I

office or your agency’s shared service center. Your agency should have provided you with its contact information.

If you still need assistance after speaking with those sources, try contacting your agency’s headquarters’ level agency Benefit Officer using the 48

| N O V

2020

OPM tries to encourage these annuitants to compare their current plan to other available plans so the annuitants can find another plan that will continue to meet their medical needs while preventing them from going into what OPM calls a “negative net” situation.

’m a civil service annuitant and a surviving spouse of a military retiree. Now that TRICARE is forcing me into Medicare at the age of 65, I’m thinking about canceling my FEHB coverage. If I cancel FEHB, do I have the option to re-enroll later, if desired?

As an annuitant, you may cancel your FEHB coverage at any time, but you won’t be able to re-enroll in FEHB later (unless you’re cancelling to be under a spouse’s FEHB plan).

If you want to drop your FEHB plan, a better option to consider would be to suspend your FEHB for TRICARE. That way, if you ever want to re-enroll in an FEHB plan on your own, you can do so during any future Open Season or with a qualified

OPEN SEASON IS HERE ENROLL NOVEMBER 9 – DECEMBER 14, 2020.

As a VSP® member, you’ll get great value, personalized care, and the choices you and your family deserve. Choose the Standard Option for your eye care essentials or select the High Option for enhanced benefits.

Visit choosevsp.com to learn more about vision benefits available through VSP Vision Care.

©2020 Vision Service Plan. All rights reserved.

VSP is a registered trademark of Vision Service Plan. All other brands or marks are the property of their respective owners. 85330 VCCM

Open Season Report

IMPORTANT REMINDERS FOR ALL FEHB PARTICIPANTS

life event (such as possibly losing your TRICARE coverage).

As an annuitant, you can use OPM Form 2809 to suspend your FEHB coverage for TRICARE at any time: www.opm.gov/forms/pdf_fill/ opm2809.pdf. OPM typically responds by sending you Form RI 79-9 to confirm that you want to do this—or you can download that form here: www.opm.gov/ forms/pdf_fill/ri79-9.pdf.

• PLAN PARTICIPATION. Make sure your current plan will participate in the Federal Employees Health Benefits (FEHB) program for 2021. This is especially important if you are currently enrolled in a health maintenance organization (HMO) plan.

• ASK QUESTIONS. Make sure to confirm information in your plan’s brochure by speaking with a plan representative. Do not assume anything. For example, plans may describe benefits in terms of “annual” or “annually.” This would seem to mean “each year,” when, in fact, it may mean that a year must have elapsed before it will cover you again. Also, while a hospital may be a PPO for your plan, not all departments in that hospital are PPO providers. Hospitals contract out much of their emergency room, technical and lab work to other groups that may not be PPO providers for your plan, so you will pay more for their services.

I

am an annuitant. What methods or options do I have for making a change to my FEHB plan during this year’s Open Season?

During the annual FEHB Open Season, annuitants and survivor annuitants who are eligible to participate in the FEHB may change health plans or options and request plan brochures and information from OPM, which provides the following methods to do this: Using OPM’s Open Season Online system at: https:// retireefehb.opm.gov/Annuitant/ Home/Default.

Using Open Season Express by calling 1-800-332-9798.

Sending regular mail (postmarked no later than December 14, 2020) to Office of Personnel Management Open Season Processing Center P.O. Box 5000 Lawrence, KS 66046-0500 When using the regular mail option, please clearly state your Open Season request. To make an enrollment change, tell OPM the plan you want, the type of coverage (Self Only, Self Plus One, or Self and Family), and the enrollment code. Remember to include your annuity claim number and Social Security number on your request. If you are choosing Self Plus One or Self and Family coverage, OPM will 50

| N O V

2020

• ID CARDS. New plan identification cards showing your enrollment are issued by the health plan. If you do not change to another plan or option during Open Season, you don’t necessarily get a new ID card.

also need your eligible family members’ information and other insurance information as specified in the instructions mailed to you from OPM at the beginning of Open Season.

I

’m an annuitant, and I want to cancel my FEHB plan so I can be covered by the FEHB plan of my spouse, who still is a federal employee. I’m filling out the OPM Form 2809, but I don’t know what event code to use.

As an annuitant, you do not need to wait for an open season and you do not need an event code for OPM Form 2809 when canceling your FEHB plan to move under your spouse’s employment FEHB plan, although your spouse should use event code 1M on the Standard Form (SF) 2809 to add you to his or her plan through his or her agency benefits office.

You and your spouse can coordinate the effective date of this FEHB coverage change with

both your spouse’s agency (using the SF 2809) and OPM (using OPM Form 2809) to ensure that the effective dates are the same on these separate forms.

OPM will process your OPM Form 2809 and your spouse’s agency will process his or her SF 2809.

Since most federal employees get paid on a biweekly basis and most coverage changes become effective the first day of the pay period after the employing agency receives the form, this date is usually dependent upon your spouse’s biweekly pay period schedule.

It’s important to understand that federal annuitants who are married to federal employees do not have to wait for an Open Season to make this sort of change. Annuitants can cancel their FEHB coverage at any time. The cancellation of the annuitant’s FEHB coverage counts as the employed spouse’s qualifying life event (QLE), allowing the federally employed

Proudly supporting the National Active and Retired Federal Employee Association and their members, this Open Season November 9 - December 14.

With worldwide coverage, smart online tools and rewarding incentives, no one does more to keep federal employees healthy.

fepblue.org

Open Season Report

spouse to switch from a Self Only to a Self Plus One or Self and Family plan.

This QLE also allows the federally employed spouse to switch to a completely different FEHB plan if desired. And if the federally employed spouse was previously covered by the annuitant’s FEHB plan, this QLE allows the employed spouse to sign up for FEHB coverage with his or her agency.

In your situation, if at some point you wanted to regain your own FEHB plan, you would use event code 2F on OPM Form 2809. The following are a few reasons why some annuitants choose to go back to having their own plan: • You lose your spouse to death or divorce.

• Your spouse loses his or her FEHB coverage

(possibly due to separating from federal service before applying for retirement).

• Your spouse later returns to a Self Only FEHB plan.

Although this is a common task that agencies and OPM coordinate, it’s complex enough that you may want to contact NARFE’s Federal Benefits Institute if you have questions about the process.

H

ow can I get an FEHB plan brochure that reflects next year’s changes to the plan?

Brochures are not mailed out automatically. If you want your current FEHB plan provider to send you a brochure for the 2021 plan year, call the customer service phone number on the back of your FEHB plan ID card and request that they mail one to you.

All FEHB plan brochures are also available online at www. opm.gov/healthcare-insurance/ healthcare/plan-information/ plans/. Once you’re on that webpage, you’ll see a map of the United States. When you click on the state in which you live, three charts will appear with all the available plans for your state and links to health plan brochures.

Simply find your plan and click the link.

If you don’t have access to the internet and you don’t have the phone number for a specific FEHB plan that you would like to compare to your current plan, call us at the NARFE Federal Benefits Institute at 1-800-4568410 (option 2 when prompted).

We can look up the phone number for you.

—FEDERAL BENEFITS INSTITUTE

373,000 ways to access care Now that’s a polished plan

Turn to a dental plan built to go above and beyond — just like you do.

Although they may take about the same bite out of your budget, no two dental plans are really alike. With a wide choice of providers and tele-dentistry services, UnitedHealthcare offers benefits designed to do more. And it’s an honor to serve them to you and your family.

• Large network with 373K+ access points* for care nationwide, including pop-up clinics** right where you work.

• Extra dental services with 100% coverage for chronic conditions like diabetes.

• Expanded maternity dental care at no additional cost, with no referrals required.

Learn more and enroll today at uhcfeds.com/dental.

Federal Employees Dental and Vision Insurance Program

*As of 2020.

**Hosted pop-up clinics are at the discretion of each local federal agency; inquire with your respective Federal Benefit Officer for more information.

UnitedHealthcare dental coverage underwritten by UnitedHealthcare Insurance Company, located in Hartford, Connecticut, UnitedHealthcare Insurance Company of New York, located in Islandia, New York, or their affiliates. Administrative services provided by Dental Benefit Providers, Inc., Dental Benefit Administrative Services (CA only), DBP Services (NY only), United HealthCare Services, Inc. or their affiliates. Plans sold in Texas use policy form number DPOL.06.TX, DPOL.12.TX and DPOL.12.TX (Rev. 9/16) and associated COC form numbers DCOC.CER.06, DCOC.CER.IND.12.TX and DCERT.IND.12.TX. Plans sold in Virginia use policy form number DPOL.06.VA with associated COC form number DCOC.CER.06.VA and policy form number DPOL.12.VA with associated COC form number DCOC.CER.12.VA. This policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage contact UnitedHealthcare Insurance Company.

B2C EI20159064.0 8/20 © 2020 United HealthCare Services, Inc. All Rights Reserved. 20-159068-P

52

| N O V

2020

Promoted to full-time strategist.

With great benefits. Retired federal employees now have a health plan with no out of pocket costs for Medicare covered services, a gym membership, hearing benefits and more—and the peace of mind to pursue their passion. UnitedHealthcare Group Medicare Advantage PPO. To learn more, visit uhcfeds.com.

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates.

Administration services provided by United HealthCare Services, Inc. or their affiliates.

Not for distribution to retirees or beneficiaries. Š 2020 United HealthCare Services, Inc. EI20140064.0 6/20 20-140069

Open Season Report

FINDING THE RIGHT HEALTH PLAN

Y

our needs change over time—is your health plan keeping up? Even if you’re happy with your current FEHB plan, it doesn’t hurt to peruse a few others during every Open Season. You may find a different plan with better benefits and/or one that is kinder to your wallet.

These tips below are from Everett Chasen’s article, “Open Season: Worth a Closer Look.”

The full article appears in the October 2020 issue of NARFE Magazine; find it online at www. narfe.org/pdf/open_season_ closer_look.pdf.

• Consider the health situation of you and your family. If you anticipate upcoming major medical costs (e.g., an impending birth or surgery), look at the coverage that your plan provides and assess whether it’s sufficient for your needs.

• Once Open Season begins, review the new brochure for your current plan. Pay special attention to section two, which will contain changes for the upcoming year, including those to benefits, costs and plan areas. You may need to contact a service representative from the provider who can provide more details and answer questions.

• Use a comparison tool, such as the one available on OPM’s website or the one from Consumers’ Checkbook, to narrow the large field of available plans down to a handful that best fit your medical needs.

First, compare premium

54

| N O V

2020

and out-of-pocket prices to whittle down your options.

Check coverage of benefits you know you will need (e.g., physical therapy). Then, dive into prescription plans and doctor networks to see if the medications you take and the medical professionals you trust are covered.

• Instead of reading every part of the brochures for plans you are considering, focus on the information that’s most important to

you. In general, most plans have more similarities than differences. However, during this coronavirus health emergency, telehealth has become important for those who need to check in with their doctors and are able to do so virtually. There have been large differences among plans in relation to telehealth costs and available doctors, so keep that in mind if you’re looking to participate in online medical appointments.

SPECIAL CONSUMERS’ CHECKBOOK GUIDE TO HEALTH PLANS OFFER FOR NARFE MEMBERS The Consumers’ Checkbook Guide to Health Plans for Federal Employees is available in online or print format at www.

Guidetohealthplans.org or by calling 888-596-0729. The cost is $11.95 for the online version, $16.95 for print, and $21.95 for both.

NARFE members receive a 20 percent discount by using the code 20NARFE. The 2021 version will be available Nov. 9, 2020, the first day of FEHB Open Season.

• HSAs and FSAs are taxadvantaged programs that save you money on eligible health expenses. They are tied to different types of health plans.

For details on HSAs, see the feature article on Page 32 of this issue. For details on FSAs, read the piece we published in 2018 at www.narfe.org/pdf/fsas_for_ feds.pdf.

• If you have or are looking to purchase vision and dental insurance through the FEDVIP program, you can compare those plans on www.opm.gov, at BENEFEDS.com or by using Consumer’s Checkbook.

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

|

55

Open Season Report

STAY UP TO DATE

Visit NARFE’s Open Season portal at www.narfe.org/open-season for health, dental and vision plan rates.

IMPORTANT REMINDERS FOR ANNUITANTS AND SURVIVORS • OPEN SEASON NOTIFICATION. The Office of Personnel Management (OPM) will send you notification by mail or email, if you have provided OPM with your email address. Both notices will provide details on Open Season and guidance on how to obtain information and materials.

• PLAN PARTICIPATION. Make sure your current plan will participate in the Federal Employees Health Benefits (FEHB) Program for 2021. This is especially important if you are currently enrolled in a health maintenance organization (HMO) plan.

• STAYING PUT. If, after reading your current plan’s brochure—particularly about changes and premiums for 2021—you decide to continue your current coverage, you do not have to do anything. Your enrollment in your current plan will continue into 2021, and the new premiums will be deducted from your February X, 2021, monthly annuity payment.

• MAKING A CHANGE. For Open Season changes, see the Open Season notice for contact information, including the Open Season Express number, the Open Season Online website, and the Open Season Processing Center.

• LOW ANNUITY. If your monthly annuity is not enough to cover your plan’s 2021 premiums, you have the option to change to a plan that you can better afford. You also may pay your monthly premiums directly to OPM if you want to stay with your current plan but your monthly annuity is not sufficient to withhold the premium amount.

• MEDICARE ENROLLEES. Make sure you read your plan brochure’s sections titled, “When You Have Medicare” and “Coordinating Benefits With Other Coverage.” Section 9 of every FEHB brochure should provide these details. Call a service representative from the plan to address any questions you might have about the coordination of your FEHB benefits and Medicare.

• AGE 65 AND NOT ENROLLED IN MEDICARE. Fee-for-service (FFS) plans include a section in their brochures titled, “When You Are Age 65 or Over and Do Not Have Medicare.” This section details how, by law, the plan must use Medicare’s approved amounts on which to base its payments.

FEDVIP FAST FACTS • ELIGIBILITY. Federal and U.S. Postal Service employees eligible for the FEHB or the Health Insurance Marketplace (Exchange) are eligible to enroll in FEDVIP, unless excluded by law or regulation. Annuitants are eligible regardless of FEHB or Health Insurance Marketplace eligibility.

• ENROLLMENT OPTIONS. The following options are available: • Self Only. Covers only the enrolled employee or annuitant • Self Plus One. Covers the enrolled employee or annuitant plus one eligible family member specified by the enrollee

56

| N O V

2020

• Self and Family. Covers the enrolled employee or annuitant and all eligible family members.

• ELIGIBLE FAMILY MEMBERS. Eligible family members include your spouse, unmarried dependent children under age 22, and unmarried dependent children age 22 or over incapable of selfsupport because of a mental or physical disability that existed before age 22.

The Affordable Care Act does not mandate coverage under dental and vision plans for dependents up to age 26, as it does for health insurance.

CHOOSE MORE LAUGH LINES CHOOSE POSSIBLE GEHA believes that possible is in all of us. It’s a choice anyone can make. That’s why we’ve designed dental plans specifically for you.

So you can always keep your possible within reach.

What will you choose?

Visit gehadental.com for more information OPEN SEASON | NOV. 9 – DEC. 14

geha.com /gehahealth

/company/gehahealth

Enroll with GEHA at BENEFEDS.com or call toll-free at 877.888.3337 / TTY: 877.889.5680.

FEDVIP Open Season enrollment begins Nov. 9 and closes Dec. 14, 2020, at midnight EST. © 2020 Government Employees Health Association, Inc. All rights reserved.

DENTAL BENEFITS for Federal Employees

Managing Money

HOW TO CONVERT IRA BASIS TAX-FREE TO A ROTH IRA

I

f you have basis in a traditional IRA, there’s a cool strategy you can use to avoid the IRS’s pro-rata rule to convert the basis tax-free to a Roth IRA. This strategy

is not possible for everyone, but if you’re a current or retired federal employee with a Thrift Savings Plan (TSP) account, this opportunity is available to you.

Before we dive into the details, let’s first discuss what it means to have basis in a traditional IRA. Basis represents the after-tax money held in a traditional IRA, which may only be established through nondeductible (after-tax) contributions or by rolling over after-tax contributions from an employer-sponsored retirement plan.

The TSP does not permit after-tax contributions, so it’s not possible to establish basis in a traditional IRA by transferring TSP money to it. However, Civil Service Retirement System (CSRS) participants who contributed to the Voluntary Contribution program, which is funded with after-tax dollars, may have transferred those contributions to a traditional IRA. There are also a few federal agencies that offer a 401(k) in addition to the TSP, and, in some cases, the 401(k) permits after-tax contributions.

58

| N O V

2020

In most cases, contributions to a traditional IRA are made on a deductible, pretax basis.

While anyone with eligible compensation may contribute to a traditional IRA, income thresholds determine whether the contribution is deductible (pretax) or nondeductible (after-tax). When a nondeductible traditional IRA contribution is made, the IRA owner is required to report the contribution, as well as the total accumulated basis, using IRS Form 8606.

Since the money has already been taxed, aftertax contributions may be distributed tax-free from a traditional IRA. The problem is that the IRS doesn’t let you selectively convert, or withdraw, only the basis in an IRA. Instead, when a traditional IRA contains basis and the owner converts the IRA to a Roth IRA, or takes a withdrawal, the IRS requires the IRA owner to calculate the percentage of after-tax

BY MARK A. KEEN,

CFP®

money and pretax money held in the IRA to determine how much of the conversion (or withdrawal) will consist of basis and how much will consist of pretax money.

This calculation, known as the pro-rata rule, also requires an IRA owner to aggregate the value of all IRAs (including SEP IRAs and SIMPLE IRAs) he or she may own, so keeping after-tax money in a separate traditional IRA won’t help an IRA owner get around the pro-rata rule.

For example, suppose an IRA owner has two traditional IRAs totaling $100,000 in value: one is worth $7,000 and is funded with a nondeductible contribution, and the second is worth $93,000 and consists entirely of pretax money. The IRA owner converts the $7,000 IRA to a Roth IRA, believing it will be a tax-free conversion since the IRA was funded with an after-tax contribution. At tax time, however, he’s surprised to learn that only 7 percent, or $490, of the conversion consists of basis and is tax-free.

The IRS’s pro-rata rule applies to all withdrawals and Roth conversions, with a couple of exceptions. First,

BENEFITS RESOURCES NARFE offers members a wide range of information on federal benefits.

Visit www.narfe.org/ FederalBenefitsInstitute.

when money is transferred from a traditional IRA to an employer-sponsored retirement plan such as the TSP or a 401(k), only pretax money may be transferred. The second exception involves a qualified charitable distribution (QCD), which is a distribution from an IRA directly to a charity; when a QCD is made, it may only consist of pretax money.

A nice feature of the TSP—whether you’re an active or retired federal employee—is the ability to transfer money in from other

retirement plans, including a traditional IRA. TSP participants, therefore, may isolate any basis in their traditional IRA by transferring all the pretax money from their IRA to their TSP account. Once this is done, the basis may then be converted tax-free to a Roth IRA. The advantage of converting the basis in a traditional IRA to a Roth IRA is that the earnings in the Roth IRA will be tax-free with a qualified withdrawal. Earnings in the traditional IRA, on the other hand, grow taxdeferred and will be taxed when distributed.

Tax-free sounds good to me.

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.

106,000 ways to access care Now that’s an eye-opener

Turn to a vision plan built to go above and beyond — just like you do.

Although the prices may look about the same, no two vision plans are really alike. With extra coverage for kids and Warby Parker in network, UnitedHealthcare offers benefits designed to do more. And it’s an honor to serve them to you and your family.

• Large network with 106,000 access points* for care nationwide.

• On-trend frames and contacts from Warby Parker, GlassesUSA.com and others.

• Children’s eye exams and glasses, plus expanded maternity vision care at no additional cost.

Learn more and enroll today at uhcfeds.com/vision. *As of 2020.

Federal Employees Dental and Vision Insurance Program

All trademarks are the property of their respective owners.

UnitedHealthcare vision coverage provided by or through UnitedHealthcare Insurance Company, located in Hartford, Connecticut, UnitedHealthcare Insurance Company of New York, located in Islandia, New York, or their affiliates. Administrative services provided by Spectera, Inc., United HealthCare Services, Inc. or their affiliates. Plans sold in Texas use policy form number VPOL.06.

TX or VPOL.13.TX and associated COC form number VCOC.INT.06.TX or VCOC.CER.13.TX. Plans sold in Virginia use policy form number VPOL.06.VA or VPOL.13.VA and associated COC form number VCOC.INT.06.VA or VCOC.CER.13.VA. This policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact either your broker or the company.

B2C EI20159058.0 8/20 © 2020 United HealthCare Services, Inc. All Rights Reserved. 20-159068-O

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

|

59

2020

G FUND

2020

C FUND

S FUND

I FUND

SEPTEMBER

0.06%

-0.03%

-3.80%

-3.04%

-2.60%

0.05%

-0.81%

7.19%

7.20%

5.12%

JULY

0.06%

1.49%

5.64%

5.71%

2.33%

YTD

0.76%

6.75%

5.50%

3.45%

-6.83%

1 YEAR

1.21%

6.91%

15.05%

12.60%

0.79%

3 YEAR*

2.16%

5.28%

12.23%

7.99%

0.99%

5 YEAR*

2.12%

4.31%

14.13%

11.27%

5.64%

10 YEAR*

2.08%

3.86%

13.76%

12.22%

4.97%

L INCOME

L 2025

L 2030

L 2035

L 2040

-0.66%

-1.58%

-1.92%

-2.11%

-2.30%

1.39%

3.17%

3.81%

4.18%

4.56%

AUGUST JULY

1.11%

2.19%

2.82%

2.86%

3.35%

YTD

1.59%

N/A

1.76%

N/A

1.73%

1 YEAR

3.79%

N/A

7.22%

N/A

8.17%

3 YEAR*

3.80%

N/A

6.16%

N/A

6.77%

5 YEAR*

4.22%

N/A

7.97%

N/A

8.91%

10 YEAR*

4.15%

N/A

8.14%

N/A

9.05%

L 2045

L 2050

L 2055

L 2060

L 2065

SEPTEMBER 2020

F FUND

AUGUST

SEPTEMBER

-2.46%

-2.63%

-3.20%

-3.20%

-3.20%

AUGUST

4.88%

5.21%

6.41%

6.40%

6.40%

JULY

3.32%

3.80%

4.13%

4.13%

4.13%

YTD

N/A

1.64%

N/A

N/A

N/A

1 YEAR

N/A

8.92%

N/A

N/A

N/A

3 YEAR*

N/A

7.26%

N/A

N/A

N/A

5 YEAR*

N/A

9.73%

N/A

N/A

N/A

10 YEAR*

N/A

N/A

N/A

N/A

N/A

*ANNUALIZED.

OPM RETIREMENT CLAIMS PROCESSING

2019

2020

For the Record

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

AUGUST 8.878 17,576 SEPTEMBER 7,456 17,376 OCTOBER 7,044 17,882 NOVEMBER 7,822 18,390 DECEMBER 5,205 16,908 JANUARY 17,134 23,983 FEBRUARY 9,273 23,629 MARCH 6,566 21,264 APRIL 6,740 19,889 MAY 6,648 18,177 JUNE 6,555 17,432 JULY 6,819 17,631 AUGUST 6,775 18,570

50 57 59 62 66 58 54 61 68

83

81

95

73

56 56 59 61 62 61 59 60 61 64 65 68 68

FOR THE NUMBER of new retirement cases the Office of Personnel Management (OPM) receives each month by agency and the percent with errors that it returns to those agencies, go to www.opm.gov/retirement-services/. l Source: OPM 60

| N O V

2020

INVESTOR WORRY LEADS TO STOCK MARKET LOSSES Despite continued improvement in the jobs market, U.S. equity markets pulled back from their all-time highs as some investors worried that recent stock gains had outpaced the economic recovery. The Federal Reserve kept its target interest rate range unchanged, citing low inflation as well as uncertainty surrounding the ongoing COVID-19 pandemic. The C and S Funds posted losses.

The I Fund also fell, hampered by a stronger U.S. dollar.

Marginally higher interest rates led to a slight loss for the F Fund. All of the L Funds finished lower.—BY MICHAEL JERUE, FINANCIAL ANALYST, THRIFT SAVINGS PLAN RETURNS are net of the effect of accrued administrative expenses and investment expenses/costs. Source: TSP 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.)

COUNTDOWN TO COLA

The Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) increased by 0.38 percent in August 2020. To calculate the 2021 cost-of-living adjustment (COLA), the 2020 third-quarter indices will be averaged and compared with the 2019 third-quarter average of 250.200. The percentage increase determines the COLA. August’s index, 253.597 is up 1.36 percent from the base.

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

Monthly % Change

% Change from 250.200

OCTOBER 2019

250.894

0.26

0.28

NOVEMBER

250.644

-0.10

0.18

DECEMBER

250.452

-0.08

0.10

JANUARY 2020

251.361

0.36

0.46

FEBRUARY

251.935

0.23

0.69

MARCH

251.375

-0.22

0.47

APRIL

249.515

-0.74

-0.27

MAY

249.521

0.00

-0.27

JUNE

251.054

0.61

0.34

JULY

252.636

0.63

0.97

AUGUST

253.597

0.38

1.36

SEPTEMBER

What has NARFE done for YOU lately?

A ton.

NARFE defeated proposed cuts to the earned retirement and health benefits of current federal retirees, despite substantial threats in recent years.

NARFE pushed Congress to suspend required minimum distributions from retirement accounts amid the COVID-19 pandemic.

NARFE championed the much needed and long overdue TSP Modernization Act, which gives you more flexible withdrawal options and more control over your retirement savings.

Working closely with congressional allies, NARFE prevented a pay freeze in 2019 and secured a larger, market-based pay increase in 2020, the largest in a decade.

Our track record on Capitol Hill speaks for itself.

DONATE NOW and you help to ensure that YOU and all federal workers and retirees keep the benefits you’ve worked so hard for.

Go to www.narfe.org/donatenow to donate online or fill out and mail the coupon below.

Enclosed is my NARFE donation: $ __________________

q CHECK ENCLOSED (payable to NARFE)

q Mr. q Mrs.

OR CREDIT CARD INFORMATION:

q Miss q Ms.

DN204676

Name: ______________________________________________

q MasterCard

Address:_____________________________________________

Card Number: _____________________________________

City: ________________________________________________

Expiration Date: __________(mm)/ ________ (yy)

State: _______________________________________________

3-Digit Security Code: __________ Date: _______________

ZIP:_________________________________________________

Signature:_________________________________________

Chapter Number: ______________________________________

Name: (please print) _________________________________

q VISA

q Discover

q AMEX

PLEASE MAIL COUPON AND CHECK TO: NARFE DONATE NOW, Attn: Fundraising 606 N. Washington St., Alexandria, VA 22314

NARFE News

2020 NARFE ELECTION RESULTS ARE IN Election results are now available. The final votes were certified by Frank Fatone, President and CEO of Election Services Corp. Colette Trohan, NARFE’s National Parliamentarian, verified them in reports issued September 2.

Kathryn Hensley will continue as NARFE Secretary/Treasurer for the 2021-22 term.

Additional results are posted on the following webpage: www.narfe.org/2020balloting.

NARFE RECRUITMENT CONTINUES

A

s we approach the midway point of this year’s NARFE Fall Membership Drive, we hope you’ve been reading the updates in our weekly e-newsletter, NewsLine, on all the great digital tools and resources we’ve added

to help you with your recruiting efforts. If not, though, don’t worry—you’ve still got two months left to help NARFE grow and make some dough.

To assist with your socially-distanced recruiting

efforts, NARFE has created a webpage, www.NARFE.org/ MembershipDriveResources, where members can find tools and links to resources (such as the sample webinars we mentioned (Continued on p.64)

Donate to Support Alzheimer’s Research NARFE members contributed for Alzheimer’s research: $14 Million Fund

$13,602,118.76*

*Total as of August 31, 2020 100 percent of all contributed funds go to Alzheimer’s research.

If you have any questions, write to: NATIONAL COMMITTEE CHAIR

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

q Mr.

q Mrs. q Miss q Ms.

Name: ___________________________________________________ Address: _________________________________________________ City: _____________________________________________________

Olivia Williams 22 Garden Springs Road Columbia, SC 29209

State: ____________________________________________________

EMAIL: oeashf3@gmail.com

Chapter Number: __________________________________________

WRITE YOUR CHAPTER NUMBER ON CHECK; MAKE IT PAYABLE TO:

Credit Card Information:

NARFE-Alzheimer’s Research AND MAIL TO:

Alzheimer’s Association 225 N. Michigan Ave., 17th Floor Chicago, IL 60601-7633 YOUR CHARITABLE CONTRIBUTION IS TAX-DEDUCTIBLE TO THE FULLEST EXTENT ALLOWED BY LAW. 62

| N O V

2020

ZIP: _____________________________________________________

q MasterCard

q VISA

q Discover

q AMEX

Card Number:_____________________________________________ Expiration Date: ____(mm)/ ___ (yy) 3-Digit Security Code: _____ Signature: ______________________________ Date: __ / __ / ___ Name: (please print) _______________________________________

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

Active and Retired Federal Employees ...

Join NARFE Today!

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 NARFE?

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

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

• Get monthly issues of NARFE Magazine with news and insights for the federal community.

• Visit the NARFE 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.

1Q6

NARFE MEMBERSHIP APPLICATION YES. I want to join NARFE for the low annual dues of $40.

q

q Mr. q Mrs. q Miss q Ms.

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

______________________________________________

Full Name

______________________________________________

Street Address Apt./Unit

______________________________________________

City

State

ZIP

______________________________________________

Phone

q Discover

q AMEX

___________________________________________ Card No. Expiration Date _____ /________ mm

______________________________________________

q VISA

yyyy

___________________________________________ Name on Card ___________________________________________ Signature ___________________________________________ Date

TOTAL DUES

______________________________________________

$40 Annual Dues X ___________ = ___________ Per Person # Enrolling Total Dues

I am a (check all that apply)

Dues payments are not deductible as charitable contributions for federal income tax purposes.

Email

q Active Federal Employee q Annuitant

q Active Federal Employee Spouse

q Annuitant Spouse

q Survivor Annuitant

q Please enroll my spouse _________________________________________

Spouse’s Full Name

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.

_________________________________________

Would you like to receive a FREE one-year chapter membership? Choose one: q Chapter closest to home OR q Chapter #____________

THREE EASY WAYS TO JOIN

MAY WE THANK SOMEONE? Did someone introduce you to NARFE? Please provide their Name and Member ID.

Spouse’s Email

1. Complete this application and mail with your payment to NARFE Member Services / 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.

___________________________________________ Recruiter’s Name ___________________________________________ Recruiter’s Membership ID 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.

(05/20)

NARFE News

(Continued from p.62) last month) designed to help you approach prospective members and communicate the value of NARFE membership. On that page, some of the resources include: • The NARFE membership brochure with powerful talking points.

• An “elevator speech” to help you quickly and effectively explain the benefits of NARFE membership.

• A recruitment email template that incorporates a testimonial—a real-life story from a member about how NARFE helped her get more from her federal benefits.

• A full-color ad you can download featuring a testimonial from a different member.

When talking with prospects, citing these personal examples from current members will help you make a much stronger case for joining. In fact, if you have a positive NARFE experience of your own that you’d like to share, please send it to us at the membership email listed below.

We love NARFE stories with happy endings.

And, since the coronavirus pandemic is making it more difficult to share samples of useful NARFE materials, such as NARFE Magazine, with potential new members, we’ve converted excerpts from the publication into PDF files that you can download and send to prospects.

These include the article, “Open Season: Worth Another Look” from the October issue, and the Open Season section from this

month’s issue containing all the federal health plan info, rate comparisons and more from OPM. These excerpts contain some of the most valuable information we share with members, so we hope they’ll help you get people’s attention.

Be sure to read NewsLine each week for more updates, and visit the Membership Drive Resources page frequently, as NARFE will regularly add new, helpful tools and links in the weeks ahead. If you have questions, please email us at membership@narfe.org or call us at 800-456-8410 (press 1 for membership). As always, thank you for your support and for helping to keep NARFE growing and thriving.

— DAVE BOWMAN, SENIOR DIRECTOR OF MEMBERSHIP DEVELOPMENT

ShopNARFE Show Your NARFE Pride ShopNARFE is the official online store offering NARFE-branded merchandise, including apparel, drinkware, pins, officer badges and business cards.

A portion of the proceeds from all purchases support the organization.

Shop now at www.narfe.org/shopnarfe.

NARFE.org/shopnarfe 64

| N O V

2020

NARFE’s Dues Withholding Program What is dues withholding?

It is a dues-payment method available to retired NARFE members, their spouses and annuitant survivors giving them the option to have their annual NARFE membership dues deducted from their annuities each month.

Advantages • Save 15% off your annual NARFE dues • Sign up your spouse and double your savings • You’ll never get another dues reminder from us • Your monthly payment is affordable and convenient • 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: ($34 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.

NARFE Dues Withholding Application for NARFE Members who are Retirees, Spouses of Retirees or Annuitant Survivors Complete this section ONLY if you are signing up for Dues Withholding. If so, DO NOT send payment

o YES. I want to enroll in NARFE’s Dues Withholding Program.

NARFE dues of $34 (a 15% discount off NARFE dues) and chapter dues, if applicable, to be withheld annually.

Civil Service Annuity Number

Social Security Number (9-digit number)

–

C S

–

–

–

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

o Mr. o Mrs. o Miss o Ms. Full Name ____________________________________ Street Address ________________________________ Apt./Unit _____________________________________ City _________________________ State _____ ZIP __

NARFE MEMBERSHIP INFORMATION

NARFE Membership ID _______________________________ NARFE Chapter Number ______________________________

o YES. I also authorize my (NARFE member) spouse’s dues to be withheld from my annuity. (Additional annual dues of $34 and chapter dues, if applicable, to be withheld annually. If YES, enter spouse’s information below.)

Phone (__________) ___________________________ Email _______________________________________ Date of Birth _________ /_________ /__________________ mm

–

dd

yyyy

STOP

Complete ONLY if signing up for Dues Withholding option.

Spouse’s Name ____________________________________ _________________________________________________ Spouse’s Membership ID _____________________________ Spouse’s Email _____________________________________

AUTHORIZATION (Withholding will begin in 60-90 days). Send NO PAYMENT with Dues Withholding 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 Services, 606 N. Washington St., Alexandria, VA 22314-1914 800-456-8410

memberrecords@narfe.org

Do not send money with this form

(DW-2 06/19)

USE YOUR NARFE PERKS AND YOUR MEMBERSHIP WILL MORE THAN PAY FOR ITSELF! PRODUCTS

LegalShield 410-419-7130 | www.legalshield.com/info/narfe

Whether it’s big, small or somewhere in between, you have affordable legal help when you need it. Members receive the discounted rate of $16.95 for individuals and $18.95 for families of 10 (two adults and up to 8 children).

Office Depot 855-337-6811 x 2897 | www.officediscounts.org/narfe

Office Depot and OfficeMax. Members can save up to 80% on over 93,000 products. 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, print off a FREE Store Purchasing Card, or text NARFESPC to 555-888 to receive the card to your mobile device. Call 855-337-6811 x 2897 and mention your NARFE membership with any questions or to place your order over the phone.

Omaha Steaks www.omahasteaks.com/NARFE

ENJOY FREE SHIPPING ON EXCLUSIVE COMBOS AND AN EXTRA 10% OFF YOUR ENTIRE ORDER WITH OMAHA STEAKS! Omaha Steaks delivers the finest in gourmet steaks, seafood, poultry, sides and desserts. NARFE members can enjoy FREE SHIPPING on select combos and an additional 10% DISCOUNT off entire order.

Purchasing Power www.PurchasingPower.com/NARFE

While not a discount program, Purchasing Power is an exclusive purchase program helps members buy brand-name computers, electronics, appliances and furniture via annuity allotment when cash is not an option. No credit check or down payments.

Sam’s Club 877- 579-1201 l Use the Link Below to Sign Up Now!

NARFE Members can now take advantage of huge savings at Sam’s Club with an exclusive membership offer! Save up to 40% on a 1-year membership and receive a limited-time free gift upon purchase! To sign up please visit: www.rebrand.ly/narfe-samsclub

Ship Sunshine www.shipsunshine.com

Ship Sunshine offers cheery gifts - at all price levels - for all occasions, and especially for no occasion at all! You can also build your own custom gift and include personalized items.

Use promo code NARFE at www.shipsunshine.com for a 5% discount!

TRAVEL & TRANSPORT

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. Call or book your reservation using the NARFE BCD number D871500.

Choice Hotels International 800-258-2847 | www.choicehotels.com

With 6,400 hotels throughout the world, Choice Hotels offers something for everyone. As a member, receive 20% off your next stay at participating hotels when you use Special Rate ID 00801967.

Enterprise Rent-A-Car® Book Now! https://partners.rentalcar.com/narfe

When you’re ready to go, Enterprise Rent-A-Car makes it easy. We offer everyday low rates on a great selection of cars, trucks and vans and customers are picked up at no extra cost*. See website for exclusions.

Extra Holidays 800-428-1932 | www.Extraholidays.com

Excellent service and the finest comforts are standards you can always rely on with Extra Holidays.

With more spacious floor plans than a regular hotel, you can enjoy a One-, Two- or Three-Bedroom suite with partial or fully equipped kitchens. Advanced reservations required.

National Car Rental® 800-CAR-RENT | www.nationalcarrental.com

NAFRE members receive great rates with National Car Rental! At National, we pride ourselves on always providing you with unsurpassed convenience and choice. Book Now! https://partners.rentalcar.com/narfe

Brookdale Senior Living Communities 877-713-2762 | www.brookdale.com/narfe

WELLNESS

As the largest operator of senior living communities in the US, Brookdale has over 1,000 locations all across the country. Members are eligible for 7.5% discount at Brookdale Independent Living, Assisted Living and Memory Care communities and 10% discounts on Brookdale Private Duty Home Care. Discounts are for new move-ins/customers only.

HearUSA 855-845-2706 | www.narfe.hearusa.com

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. Riskfree 60-day trial. Free follow-up care. Free 3-year warranty.

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

INSURANCE

MOVING SERVICES

Life Line Screening, America’s leading provider of community-based preventive health screenings, will conduct health screenings using state-of-the-art ultrasound technology in your neighborhood. Operator code BKHN075.

NARFE Insurance Services 800-233-5764 | www.narfeinsurance.com

Designed exclusively for NARFE members, (plans administered by Mercer) Senior Age Whole Life Insurance, Senior Term Life Insurance, Hospital Income and Short Term Recovery Insurance, Dental Insurance, Vision Insurance, AssistPlus, Discount Prescription Plan and Pet Insurance.

Coleman Allied 850-375-0917 | jack.jacobs@colemanallied.com

With over 300 agency partners and an entire team dedicated to a quality move experience, Coleman Allied provides customized discount levels for all NARFE members for Interstate moves. *The NARFE pricing only applies to moves that leave the state you currently reside in.

Wheaton World Wide Moving 800-248-7960 | narfe@wvlcorp.com

At Wheaton, we know interstate relocation is much more than trucks and boxes. With a network of top-quality agents throughout the United States, Wheaton provides peace of mind with every relocation.

PRE-PLANNING

Neptune Society 800-NEPTUNE (637-8863) | www.neptunesociety.com

Our prearranged plans cover all necessary expenses for one guaranteed price even if the services are not needed for 40 or 50 years. The Neptune Society offers a $100 discount to all NARFE members.

ADDITIONAL PERKS

SEE HOW MUCH YOU CAN SAVE AT

www.NARFE.org/memberperks

The Way We Worked

MONITORING THE SLOPES, 1970 Two U.S. Forest Service snow rangers—on skis—monitor lands in Squaw Valley Alpine Meadows, part of the Tahoe National Forest. Much of the skiing terrain in the western part of the country is owned by the federal government and administered by the Forest Service with private companies paying permit fees for use. Among myriad other duties, snow rangers ensure responsible use of the land, monitor for hazards such as avalanches, and support search and rescue efforts.

PHOTO from the records of the U.S. Forest Service, National Archives, 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 www.shfg.org.

68

| N O V

2020

DID YOU KNOW? Federal forest management dates to the 1800s, but the modern-day Forest Service was established in 1905 as part of the Department of Agriculture.

Today, more than 70 percent of Americans live within 100 miles of a national forest; there are 155 national forests in 44 states.

On the web: www.fs.usda.gov

Live Life without pain Plantar Fasciitis • Arthritis • Joint Pain • Heel Spurs • Back & Knee Pain

Corrective Fit Orthotic

$50 Value Free podiatrist-grade support with every shoe purchase

®

PATENTED VERSOSHOCK SOLE

Excludes sandals.

SHOCK ABSORPTION SYSTEM

Enjoy the benefits of exercise with proven pain relief.

85% 91% 92% 75% LESS KNEE PAIN

LESS BACK PAIN

LESS ANKLE PAIN

LESS FOOT PAIN

Ultimate Comfort

AVAILABLE

WIDE & X-WIDE

AVAILABLE *Results of a double-blind study conducted by OliveWIDTH View UCLA Medical Center.

AVAILABLE

AVAILABLE

Renewed Energy Maximum Protection Improve Posture

AVAILABLE

AVAILABLE AVAILABLE

G-DEFY MIGHTY WALK $155 Men Sizes 7.5-15 M/W/XW - Gray TB9024MGS - Blue/Black TB9024MLU - Black TB9024MBL

Free Corrective Fit Orthotics

AVAILABLE AVAILABLE

Women Sizes 6-11 M/W/XW - Gray TB9024FGS - Salmon/Gray TB9024FGP - Purple/Black TB9024FLP

plus socks with every shoe order

Promo Code MK2LMP7 www.gravitydefyer.com Expires February 28, 2021

Free Exchanges • Free Returns

100% Satisfaction Guaranteed Call 1(800) 429-0039

Gravity Defyer Corp.

10643 Glenoaks Blvd. Pacoima, CA 91331 VersoShock® U.S Patent #US8,555,526 B2. May be eligible for Medicare reimbursement. This product is not intended to treat, cure or prevent any disease. Cannot be combined with other offers. Free socks only available directly from Gravity Defyer. 9% CA sales tax applies to orders in California. Shoes must be returned within 30 days in like-new condition for full refund or exchange. Credit card authorization required. See website for complete details.

Learn how to save on your hearing health!

Call today to see if you qualify to receive 2 free hearing aids!* With more than 30 years in hearing care, HearUSA has helped over 1 million people experience a better quality of life through better hearing.

NARFE Member Exclusive • FREE one-year batteries and one-year follow up service visits

As a NARFE member you have access to the latest hearing aid technology. Receive the highest level of quality hearing healthcare service in the industry.

• FREE three years warranty and loss, stolen & damage coverage

HearUSA is the exclusive hearing care Affinity Partner for NARFE members. We carry all major brands including rechargeable and nearly invisible models.

• 10% off hearing accessories at HearingShoppe.com

• Risk-free 60-day trial

Schedule your FREE hearing appointment:

1-855-252-0025

*This is not insurance and insurance benefits vary. Some restrictions apply. 1 year battery supply with purchase of hearing aids. Offer valid at participating HearUSA providers only. Call for details.