Warrior Retirement

FEGLI Life Insurance · 2026 Decision Guide FEGLI Life Insurance in Retirement: What Federal Employees Must Know Before Costs Balloon The life insurance that cost you $15 per paycheck at age 45 can cost $300+ per month by age 70 — for the same coverage. Here is exactly how FEGLI works in retirement, what it will cost you at every age, and whether keeping it makes financial sense. 📅 April 5, 2026 ⏱ 11 min read 🛡 Warrior Retirement Federal employees receive affordable life insurance through the Federal Employees Group Life Insurance (FEGLI) program during their working years. Basic coverage, Option A, Option B, and Option C provide protection at group rates that feel like a great deal — because they are, while you are employed. Retirement changes everything. FEGLI premiums explode after age 65. The very coverage that felt affordable at $30 per month during your career can cost $400–$600 per month in your late 60s and 70s — for coverage whose value keeps declinin...

🏥 Healthcare Strategy · Warrior Retirement FEHB vs. VA Healthcare : Which Should You Use After Federal Service? Veteran federal employees have access to two powerful healthcare systems. Using only one — or failing to coordinate them properly — can cost you thousands per year in unnecessary out-of-pocket expenses. This guide tells you exactly how to use both strategically. If you are a veteran who has worked for the federal government, you occupy a rare and enviable position: you may be entitled to both FEHB health insurance and VA healthcare simultaneously. Most veterans who work for the government default to one or the other. But the optimal strategy for most veteran federal employees is to use both — strategically — in ways that maximize coverage and minimize costs. ℹ️ The Fundamental Rule: You Can Have Both There is no law or regulation preventing a veteran from being enrolled in both FEHB and VA healthcare simultaneously. The two systems coordinate in...

FERS Survivor Benefits · 2026 Complete Guide FERS Survivor Benefits in 2026: The Complete Guide to Protecting Your Spouse's Income, Health Insurance & Future Most federal employees make the most consequential financial decision of their retirement in a 5-minute HR conversation on their last day. Here is the complete guide to survivor benefits — so your family is protected no matter what happens. 📅 April 5, 2026 ⏱ 14 min read 🛡 Warrior Retirement When you retire, you will be asked to make an election that determines what your spouse receives for the rest of their life if you die first. You will make this election on your retirement paperwork — often with limited guidance and no opportunity to change your mind later. The FERS survivor annuity election is permanent and irrevocable . Choosing the wrong option — or failing to understand what "no survivor benefit" actually means for your spouse's health insurance — can leave the person you love...

⚕ Warrior Retirement · 2026 Complete Guide Federal Employee Guide to FERS Disability Retirement and SSDI in 2026 Two separate programs. Different rules, different standards, different calculations — but they interact in ways that can maximize or reduce your total income. This is the complete guide federal employees need before a crisis strikes. 18 mo Min. service to qualify 60% High-3 in Year 1 40% High-3 from Year 2 Age 62 Converts to regular FERS 65–75% OPM approval rate 📅 April 2026 ⏱ 20 min read 🛡 Warrior Retirement 📌 FERS · SSDI · FEHB · OPM · SF-3112 ⚡ Quick Answer FERS disability retirement requires 18 months of federal service and pays 60% of your High-3 in year one (minus 100% of SSDI), then 40% of High-3 from year two through age 62 (minus 60% of SSDI). At age 62, it converts to a regular FERS annuity calculated as if you worked until 62. You must also apply for SSDI — this i...