Retired Postmaster Shares

Dear Federal Employee,

As an employee of the Federal Government, you have many benefits available to you.
Speaking from personal experience, fully understanding those benefits is vital to your future.
I, myself, am a retired Federal Employee. I worked for the US Postal Service from 1989 until
2014, when I took a Voluntary Early Retirement. My position was being eliminated and taking
the VER guaranteed that I could continue the Federal Employee Health Benefits for myself and
my family. My husband is also a retired Federal Employee. He worked for the US Postal Service
from 1983 until 2009. Unfortunately, most of what we learned about our benefits was during
and after our retirement. He was a CSRS employee; I was a FERS employee. I can honestly say
that if we had known more about the benefits earlier in our careers, we would have made
different decisions.

Unfortunately, no one ever sat down with us for a benefit analysis prior to
our retirements. We had one insurance salesman who contacted us to sell us disability
insurance. Another insurance salesman contacted us to sell us permanent life insurance
"because FEGLI gets more expensive as the employee ages".

We also had a financial adviser who contacted us and offered to help complete my husband's retirement paperwork.

He advised him not to take a survivor annuity, but to start an annuity with him. We made
uninformed decisions. We didn't ask many questions because we didn't know what to ask. The
"unknown" is a dangerous thing. Had our benefits been fully explained when my husband was
preparing for retirement, chances are we would have done things differently. Had we done
things differently in 2009, we would have made better decisions in 2014.

So now I am writing to you, stressing the importance of what a Federal Benefit
Consultant can do for you. A consultant can explain the benefits that you have available to you,
how the benefits change as you progress through your career, and how the benefits change in
retirement. A consultant can explain options that will allow you to maximize your retirement
dollars based on your current situation and help guide you in your retirement path. A
consultant can assist you in making your current benefit dollars work harder for you, which will
allow you to make informed decisions so you can make the best choices for you and your
family's future. A Benefit Consultant will be able to revisit and update your situation and goals
as your life and career change.

If you are unsure about working with a benefit consultant, I urge you to take advantage of
the information he or she has to share with you. No matter your age or where you are in your
career, it is never too early or too late to get answers that can impact the rest of your life.

Sincerely,

Barbara