Federal Benefits Transition: FERS, FEHB, and TSP Basics When You Leave

When you leave federal service, the most stressful uncertainty is often benefits. This post is a plain-language orientation to questions you should ask about FERS, FEHB, and TSP during a transition.

This is general information—not legal or financial advice. Always confirm details with official sources or qualified professionals.

FERS: focus on vesting and your records

Key questions to clarify:

• Are you vested based on your years of service?
• What records do you need to keep for future eligibility?
• What options exist based on your separation type?

FEHB: understand what changes and when

Health coverage rules are situation-dependent. The practical step is to:

• confirm your coverage end date
• understand eligibility for continuation options
• compare employer plans with your current costs and network

TSP: know your options and avoid rushed decisions

Many people consider:

• leaving TSP where it is
• rolling over into a new employer plan or IRA
• adjusting allocations based on risk tolerance

The right choice depends on your broader financial plan—avoid making changes under pressure.

A simple transition checklist

• Create a “benefits questions” list and get answers in writing when possible
• Save your documentation securely
• Compare total compensation (not just salary) before accepting an offer
• Use /resources for official links and transition guidance

Next step

Once you’ve clarified benefits questions, focus your search on roles that are a true upgrade in total package. Start exploring on /jobs.