Army Benefits Center - Civilian

🗓️ As May comes to a close, let's recap the key resources at your fingertips:
🔹 𝗚𝗥𝗕 𝗣𝗹𝗮𝘁𝗳𝗼𝗿𝗺: For managing all your benefits, requesting retirement estimates, and ORA access.
🔹 𝗚𝗥𝗕, 𝗢𝗣𝗠 & 𝗧𝗦𝗣 𝗖𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗼𝗿𝘀: For planning your financial future.
🔹 𝗲𝗢𝗣𝗙: For verifying your official career record.
🔹 𝗔𝗕𝗖-𝗖 𝗡𝗲𝘄𝘀𝗹𝗲𝘁𝘁𝗲𝗿 & 𝗪𝗲𝗯𝘀𝗶𝘁𝗲: For the latest benefits updates and news.
🔹 𝗔𝗕𝗖-𝗖 𝗬𝗼𝘂𝗧𝘂𝗯𝗲: For visual and in-depth guidance.

📌 Find all the links on our website 𝗵𝘁𝘁𝗽𝘀://𝗮𝗯𝗰.𝗰𝗵𝗿𝗮.𝗮𝗿𝗺𝘆.𝗺𝗶𝗹/𝗮𝗯𝗰 and keep them bookmarked! Make sure to hit 𝗙𝗼𝗹𝗹𝗼𝘄 so you don't miss next month's tips!

Don't forget to join our Employee Benefits Virtual Café TODAY at 11 a.m. Central! The topic is Resources and tools, a perfect summary of this month's theme. Bring your questions and get answers directly from the experts, live!
No registration is necessary. Get more information and the link to the live session here: https://go.mil/ABC_C_EmployeeVirtualCafe

Ready to master your benefits? 💡

Join our Virtual Benefits Café this Thursday, May 28th, at 11 a.m. Central! This month, we're covering "ABC-C Resources and Tools," a perfect summary of this month's theme.

This is your chance to bring your questions and get answers directly from the experts. Whether you're curious about retirement planning, insurance, or other resources, we've got you covered!

No registration is necessary.

🔗 Get more information and the live link here: https://go.mil/ABC_C_EmployeeVirtualCafe

👋 Calling all Army, U.S. Army Corps of Engineers, Headquarters , Defense Health Agency , and Department of War Education Activity (DOWEA) Civilians!

We've shared a lot of tools and resources about your federal benefits this month, but we know navigating them can sometimes be complex. 𝗪𝗵𝗮𝘁 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝗱𝗼 𝘆𝗼𝘂 𝘀𝘁𝗶𝗹𝗹 𝗵𝗮𝘃𝗲? 👇 𝗗𝗿𝗼𝗽 𝗮 𝘁𝗼𝗽𝗶𝗰 𝗶𝗻 𝘁𝗵𝗲 𝗰𝗼𝗺𝗺𝗲𝗻𝘁𝘀 that you want to learn more about, and 𝘄𝗲’𝗹𝗹 𝗽𝗼𝗶𝗻𝘁 𝘆𝗼𝘂 𝗶𝗻 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁 𝗱𝗶𝗿𝗲𝗰𝘁𝗶𝗼𝗻!

🔔 Make sure to hit that 𝗙𝗼𝗹𝗹𝗼𝘄 button so you never miss out on important updates, tips, and resources designed specifically to maximize your civilian benefits!

As Army Civilians, we are privileged to support a mission larger than ourselves. The work we do each day supports warfighters, their families, and readiness.

Today, we honor and remember the brave service members who made the ultimate sacrifice for our country in support of that mission.

Hey Army Civilians! 👋 Have you checked in on your retirement goals lately? The Thrift Savings Plan (TSP) is a fantastic benefit, but are you getting the most out of it?

Did you know the TSP website has powerful modeling tools? 🛠️

This month’s focus is all about Tools & Resources to elevate your financial readiness. Moving beyond the basics can help you make highly informed decisions for your future. Here are two powerful resources you can use right now:

Retirement Income Modeler: See exactly how your current savings translate into projected monthly income during retirement. Stop guessing and start planning!

Roth In-Plan Conversion Calculator: Considering a switch? Understand the tax implications and long-term effects of converting your traditional TSP funds to a Roth balance.

Take control of your financial future today by logging into your account at TSP.gov and exploring these features! 💻

⚠️ ATTENTION ARMY-SERVICED FEDERAL CIVILIANS ⚠️

Please be advised of an upcoming, extended system outage affecting the Defense Civilian Personnel Data System (DCPDS) which will affect the Government Retirement & Benefits (GRB) platform.

To help consolidate data into DCPDS, both systems will be offline starting at midnight on Thursday morning through Tuesday morning.

🛑 𝗢𝗨𝗧𝗔𝗚𝗘 𝗗𝗘𝗧𝗔𝗜𝗟𝗦:

Start Time: Thursday, May 21
Downtime Duration: All day Thursday, May 21 through Monday, May 25
Systems Back Online: Tuesday, May 26 at 6 a.m. Central
Impacted Platforms: DCPDS which impacts My Biz+ and the GRB platform
Purpose: Data consolidation

📞 𝗡𝗘𝗘𝗗 𝗔𝗦𝗦𝗜𝗦𝗧𝗔𝗡𝗖𝗘 𝗗𝗨𝗥𝗜𝗡𝗚 𝗧𝗛𝗘 𝗢𝗨𝗧𝗔𝗚𝗘?
If you need service while the systems are down, you can still call the phone center or submit a benefits inquiry ServiceNow ticket. You can find the contact information on our website at https://abc.chra.army.mil/abc and click the "Contact Us" button.

Please plan accordingly and ensure any urgent personnel actions or benefits inquiries are handled prior to the downtime if possible. We appreciate your patience as the systems are improved!

👋 Attention Army-Serviced Federal Civilians! Leaving federal service before retirement? Let’s talk about your contributions!
Whether you are covered under the Federal Employees Retirement System (FERS) or the Civil Service Retirement System (CSRS), leaving your DoW agency role before retirement eligibility means you have an important financial decision to make.
Here is what you need to know about your options, the rules, and how to apply! 👇
💡 Option 1: Deferred Retirement
If you have at least 5 years of creditable service, you don't have to cash out! You can leave your money in the retirement fund and wait until you reach retirement age to apply for a monthly annuity.
💵 Option 2: Request a Lump-Sum Refund
If you want immediate access to your funds, you can request a refund of your retirement deductions.
⚠️ The Trade-Off: A refund voids your right to a future annuity and survivor benefits for that period of service.
🔄 What if I return to Federal Service? (Redeposits)
CSRS: You have always been allowed to "buy back" (redeposit) refunded CSRS deductions, plus interest, if reemployed.
FERS: If you were covered under FERS on or after Oct. 28, 2009, you can redeposit refunded FERS service. If you don't pay it back, that time is used for retirement eligibility and average salary computation, but NOT to compute the actual annuity payout.
Transfers (CSRS to FERS): OPM will refund deductions under both systems. However, you can specify on your application if you only want a refund of your CSRS deductions.
📝 How to Apply (The Paperwork)
FERS Employees: Download SF 3106 (Application for Refund) and SF 3106A (Spousal Notification).
CSRS Employees: Download SF 2802.
(Both are available at OPM.gov/forms)
📬 Where to Send Your Forms
30 Days or Less Since Separation: Submit your forms to your command-aligned Civilian Human Resources Service Center (CHRSC). The fastest way to do this is to select ‘Make a Request’ through the Civilian HR Portal (https://service.chra.army.mil/chra/).
More Than 30 Days Since Separation: Mail your application directly to OPM:
U.S. Office of Personnel Management
Retirement Operations Center
P.O. Box 45, Boyers, PA 16017
📈 A Note on Interest & Taxes
Your actual contributions are not taxable, but any interest earned is!
FERS: Earns interest if you worked more than 1 year (government securities rate).
CSRS: Earns interest (3%) if you have more than 1 but less than 5 years of service.
Taxes/Rollovers: If the taxable interest is over $200, OPM automatically withholds 20% for Federal taxes. You can avoid this withholding by electing a Direct Rollover to an IRA or employer-sponsored plan like the Thrift Savings Plan (TSP). You have 60 days to complete a rollover!
🔍 Pro-Tip for Transitions
Before you log off for the last time, visit MyBiz+ to self-update your info and check myPay for your final Leave and Earnings Statement (LES).
For more comprehensive benefits information, visit the Army Benefits Center – Civilian (ABC-C)! https://abc.chra.army.mil/abc

Do you prefer to watch and learn? The ABC-C YouTube channel has you covered! Find informative videos like
👉 submitting a Online Retirement Application (ORA) [https://youtu.be/-AnqnUGZHf4],
👉 planning for retirement [https://youtube.com/shorts/E-Zx-0xGTM8],
👉 your retirement decisions [https://youtube.com/shorts/B6pW0lKFQC4?feature=share], and more.
❤ Subscribe to stay updated! https://www.youtube.com/ArmyBenefitsCenterCivilian

🚨 Get Retirement Ready! #retirementplanning #federalbenefits Hey Army, USACE, NGB, DHA, DoWEA, and DECCA Overseas (Army-Serviced) federal civilians! Don't leave your future to chance. It is time to take action and make...