Federal Retirement Acronyms Explained: FERS, FEHB, FEGLI, CSRS, High-3 & More

Which acronym tripped you up the longest — FERS, FEGLI, SRS, or MRA? Drop it below 👇

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The Federal Retirement Terms You Nod Along To — Finally Explained

Federal retirement has its own language — FERS, FEHB, FEGLI, High-3, MRA, SRS, VERA — and most employees nod along without ever having it explained. In this video, Charles decodes the federal acronyms and vocabulary in plain English, so the alphabet soup on your LES (and in your retirement) finally makes sense.

This is the federal-specific companion to our "retirement terms" episode. If you've ever stared at your leave and earnings statement wondering what half of it means, this one's for you.

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ACRONYMS & TERMS DECODED
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- FEHB & Open Season — your federal health insurance, and when you can switch plans
- TSP — the federal version of a 401(k)
- FEGLI — federal group life insurance (and why "Basic" is the sweet spot)
- FERS, FERS-RAE & FERS-FRAE — and why your hire year changes what you pay
- High-3 — the highest average of 36 consecutive months that builds your pension
- MRA — your Minimum Retirement Age (earliest you CAN go, not when you must)
- SRS — the Special Retirement Supplement that bridges you to age 62
- Survivor benefit, SF-50, OPM, CSA & annuitant — in plain English
- VERA, deferred vs. postponed retirement — and how each affects your FEHB

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FEDERAL RETIREMENT RESOURCES
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OPM — FERS Information:
https://www.opm.gov/retirement-center/fers-information/
Thrift Savings Plan (Official):
https://www.tsp.gov/
OPM — FEHB Program:
https://www.opm.gov/healthcare-insurance/healthcare/

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TIMESTAMPS
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0:00 Federal Retirement Acronyms Explained
0:53 FEHB, LES, and Open Season
2:07 TSP and FEGLI Explained
3:02 Survivor Benefit and FERS Basics
4:46 OPM, ORA, CSA, and Annuitant Terms
6:35 SF-50 and Federal Service History
7:28 High-3 Average Salary Explained
7:53 MRA and Minimum Retirement Age
8:44 SRS and the Social Security Bridge
9:06 Military Buyback and VERA
9:34 Deferred vs. Postponed Retirement
10:35 Federal Retirement Vocabulary Resources and Next Steps

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WHO WE ARE
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CD Financial helps federal employees and retirees make smarter retirement decisions around FERS, TSP, FEHB, Medicare, survivor benefits, and retirement income planning. Our mission: help federal employees retire with more clarity, confidence, and peace of mind. Subscribe for practical federal retirement planning content — where health meets wealth.

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IMPORTANT DISCLAIMER
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Advisory services are offered through CD Financial LLC dba CD Financial, an Investment Advisor in the State of California. Insurance products and services are offered through CD Financial & Insurance Services LLC, an affiliated company.
This video is for educational purposes only and is not financial, legal, tax, healthcare, or investment advice. Federal rules, contribution rates, and benefit formulas depend on your hire date and individual service history. Always verify current details with OPM, TSP.gov, and your agency before making elections.
Opinions expressed are solely those of CD Financial. Information herein is derived from sources believed reliable but is not guaranteed as to accuracy or completeness. All ideas should be discussed with your individual adviser prior to implementation.

#FederalRetirement #FERS #FEHB #TSP #FEGLI #CDFinancial