The 7 Surprises of Federal Retirement Artwork

Federal Employee Benefit Coordinators LLC

Retirement can be a tricky affair these days for many. It may be even trickier for Federal and Postal employees. According to Elizabeth Inman, ChFEBC, a nationally recognized Federal Benefits Educator, Author, Speaker, and Federal Retirement Specialist, who retired from the USPS with over 23 years of Federal service, "Without a proper understanding of the options and the landmines, it’s easy to make some well-meaning yet costly mistakes when you retire as a Federal or Postal employee. These common, yet often avoidable mistakes may mean that Federal retirees will lose out on benefits and options for their entire life. After a career of devoted service, I believe that they deserve to take full advantage of every benefit available.”

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Federal Employee Benefit Coordinators LLC

The 7 Surprises of Federal Retirement

June 10, 2025 • Elizabeth Inman

Retirement should feel like a reward — not a risk. But for many federal employees, small oversights lead to big problems later.

✅ Surprise #1: Required Beneficiaries – Avoid costly mistakes on outdated forms
✅ Surprise #2: Surviving Spouse Benefits – Understand your spouse’s protection
✅ Surprise #3: FEGLI Life Insurance – What really happens to your coverage and cost
✅ Surprise #4: Health Insurance – New rules with FEHBP and PSHBP
✅ Surprise #5: Medicare Integration – Coordinating FEHB and Medicare at age 65
✅ Surprise #6: Social Security, FERS & CSRS – How they work together (and conflict)
✅ Surprise #7: TSP – Reforms, withdrawal options, and tax-smart strategies

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