About Us

Marlborough Insurance AgencyFederal Benefit Specialists was formed to assist the Federal and Postal employee. Everything we do is aimed at helping Federal employees understand their benefits so they can maximize what is available to them and plan for a secure retirement. We are experts in the Federal employee benefit marketplace. You can rest assured you are in very capable hands when working with the Federal Benefit Specialists.

Everyone knows a government job is a good job. It has been that way for a long time and it will stay that way with uncertainty in the economy. One unfortunate aspect of working for the government is that many employees have a hard time finding or getting straight answers on their benefits. Federal employees have to deal with a number of cumbersome issues that can have a major impact on themselves and their families.

Just a few of the issues Federal employees must understand and consider are:

  • Federal Employees Group Life Insurance: What coverage do you have? How will it change throughout your career and into retirement?
  • Civil Service Retirement System: How much will your pension be? How much of a survivor benefit should you elect for your spouse?
  • Federal Employees Retirement System: When the system changed what did it mean to you? How much should you be contributing to the TSP?
  • Thrift Savings Plan: What are your fund choices in the TSP? How do you determine which are best for you? How do you your present and future allocations? How much of your TSP contributions are matched by the government?
  • Taxes: What are the tax implications of putting all of your retirement funds into the TSP? What are your alternative investments to the TSP?
  • Retirement Paperwork: When you decide to retire, do you know how to fill out the 21 page document that OPM requires? What if you make a mistake?

All of these are areas in which we are trained and capable of helping you make the right decision. You should not have to navigate issues such as these by yourself and doing so could cause serious problems for you and your family. Just like you need an accountant to do your taxes, and an attorney to handle your legal matters, a Federal employee needs the Federal Benefit Specialists to help them navigate and maximize their benefits.

January 18th, 2016 by Federal Benefit Specialists