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BENEFITS INFORMATION FOR NEW HIRE ORIENTATION NATIONAL OCEANIC AND ATMOSPHERIC ADMINISTRATION (NOAA) March 2014.

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Presentation on theme: "BENEFITS INFORMATION FOR NEW HIRE ORIENTATION NATIONAL OCEANIC AND ATMOSPHERIC ADMINISTRATION (NOAA) March 2014."— Presentation transcript:

1 BENEFITS INFORMATION FOR NEW HIRE ORIENTATION NATIONAL OCEANIC AND ATMOSPHERIC ADMINISTRATION (NOAA) March 2014

2 AGENDA AGENDA Retirement Coverage Retirement Coverage Deposit/Redeposit/Military Deposit/Redeposit/Military Health Insurance (FEHB) Health Insurance (FEHB) Life Insurance (FEGLI) Life Insurance (FEGLI) Thrift Savings Plan (TSP) Thrift Savings Plan (TSP) Flexible Spending Accounts (FSA) Flexible Spending Accounts (FSA) Long Term Care (LTC) Long Term Care (LTC) Dental and Vision Insurance (FEDVIP) Dental and Vision Insurance (FEDVIP) Designation of Beneficiary Designation of Beneficiary Leave and Earnings Statement (LES) Leave and Earnings Statement (LES)

3 Federal Employee’s Retirement System (FERS) Employees hired in a covered position between 1/1/84 and 12/31/12 are covered under FERS. Some CSRS employees chose to switch to FERS during FERS open season or after a break in service of more than three (3) days. Employees hired in a covered position between 1/1/84 and 12/31/12 are covered under FERS. Some CSRS employees chose to switch to FERS during FERS open season or after a break in service of more than three (3) days. Three Tiered System Three Tiered System – Basic Annuity (0.8% basic pay) – Social Security (6.2% basic pay) – Thrift Savings Plan The OPM Publication FERS (An Overview of your Benefits) highlights the main features of FERS. You may download this publication at The OPM Publication FERS (An Overview of your Benefits) highlights the main features of FERS. You may download this publication at

4 Federal Employee’s Retirement System – Revised Annuity Employees (FERS-RAE) From 1/1/13 to 12/31/13, all newly hired employees in a covered position and rehired employees with a break in service of more than three (3) days and with less than 5 years of FERS creditable service as of 12/31/12 are covered under FERS-RAE. From 1/1/13 to 12/31/13, all newly hired employees in a covered position and rehired employees with a break in service of more than three (3) days and with less than 5 years of FERS creditable service as of 12/31/12 are covered under FERS-RAE. Three Tiered System Three Tiered System – Basic Annuity (3.1% basic pay) – Social Security (6.2% basic pay) – Thrift Savings Plan OPM Benefits Administration Letter, , provides more information on FERS-RAE and can be downloaded at: OPM Benefits Administration Letter, , provides more information on FERS-RAE and can be downloaded at:

5 Federal Employee’s Retirement System – Further Revised Annuity Employees (FERS-FRAE) As of 1/1/14, all newly hired employees in a covered position and rehired employees with a break in service of more than three (3) days and with less than 5 years of FERS creditable service as of 12/31/13 are covered under FERS-FRAE. As of 1/1/14, all newly hired employees in a covered position and rehired employees with a break in service of more than three (3) days and with less than 5 years of FERS creditable service as of 12/31/13 are covered under FERS-FRAE. Three Tiered System Three Tiered System – Basic Annuity (4.4% basic pay) – Social Security (6.2% basic pay) – Thrift Savings Plan OPM Benefits Administration Letter, , provides interim information on FERS-FRAE. OPM Benefits Administration Letter, , provides interim information on FERS-FRAE.

6 CSRS and CSRS Offset Civil Service Retirement System (CSRS) Civil Service Retirement System (CSRS) Most Federal employees hired prior to 01/01/84 are covered by CSRS. Most Federal employees hired prior to 01/01/84 are covered by CSRS. – Basic Annuity (7% basic pay) CSRS Offset CSRS Offset Employees that are rehired after 12/31/83 with at least 5 years civil service and who have more than a one year break in service by 12/31/86 are covered by CSRS-Offset. Employees that are rehired after 12/31/83 with at least 5 years civil service and who have more than a one year break in service by 12/31/86 are covered by CSRS-Offset. – Basic Annuity (0.8% basic pay) – Social Security (6.2% basic pay)

7 Retirement Deduction Contributions CSRS CSRS – Employee and Government 7.0% CSRS 7.0% CSRS CSRS Offset CSRS Offset – Employee and Government 0.8% CSRS 0.8% CSRS 6.2% Social Security 6.2% Social Security Medicare Part A Medicare Part A – Employee and Government 1.45% 1.45%

8 Retirement Deduction Contributions FERS FERS – Employee 0.8% FERS 0.8% FERS 6.2% Social Security 6.2% Social Security FERS – RAE FERS – RAE – Employee 3.1% FERS – RAE 3.1% FERS – RAE 6.2% Social Security 6.2% Social Security FERS – FRAE FERS – FRAE – Employee 4.4% FERS - FRAE 4.4% FERS - FRAE 6.2% Social Security 6.2% Social Security – Government 11.9% FERS 11.9% FERS 9.6% FERS – RAE 9.6% FERS – RAE 9.6% FERS - FRAE 9.6% FERS - FRAE 6.2% Social Security 6.2% Social Security Medicare Part A Medicare Part A – Employee and Government 1.45% 1.45%

9 Prior Service Contact your servicing Human Resources Team if you have prior Federal Service. Contact your servicing Human Resources Team if you have prior Federal Service.www.wfm.noaa.gov/contact_lists.html This service must be requested from the National Personnel Records Center or the last Federal Agency. It may take some time to receive these records. This service must be requested from the National Personnel Records Center or the last Federal Agency. It may take some time to receive these records. This service is potentially creditable for retirement and leave purposes. This service is potentially creditable for retirement and leave purposes. This service also determines your retirement system placement. This service also determines your retirement system placement.

10 Definition of Deposit Service Deposit service is a federal appointment (i.e., Temporary Appt), where retirement contributions were not withheld. Usually employees only pay Social Security taxes while serving in these appointments. Deposit service is a federal appointment (i.e., Temporary Appt), where retirement contributions were not withheld. Usually employees only pay Social Security taxes while serving in these appointments. – A deposit is based on the sum of money you would have contributed to the retirement system if the appointment was permanent PLUS interest.

11 Definition of Redeposit Service Redeposit service is when an employee separates from the Federal Government and withdraws the retirement contributions they’ve contributed to the Retirement Fund. Redeposit service is when an employee separates from the Federal Government and withdraws the retirement contributions they’ve contributed to the Retirement Fund. – A redeposit is the amount of money withdrawn from the retirement fund PLUS interest.

12 FERS Deposit/Redeposit Service Deposit Deposit – Service performed before 01/01/89 does not count for determining eligibility to retire or in the computation of your annuity unless a deposit is paid. – Service performed after 12/31/88 is not creditable towards retirement. Redeposit Redeposit – FERS employees employed on or after 10/28/09 may make a redeposit for previously refunded service. – The refunded service is creditable for retirement eligibility but not in the computation of your annuity, if the redeposit is not paid.

13 CSRS Deposit/Redeposit Service Deposit Deposit – Service performed before 10/1/82 is creditable for eligibility to retire and in the computation of your annuity, if a deposit is not paid, however, the annuity will be reduced. – Service performed after 09/30/82 is only used for eligibility to retire if a deposit is not paid. Redeposit Redeposit – Service performed before 03/01/91 is creditable for eligibility to retire and in the computation of your annuity, if a redeposit isn’t paid, however, the annuity will be reduced. – Service performed after 02/28/91 is only used for eligibility to retire if a redeposit is not paid.

14 Paying Deposits and Redeposits FERS FERS – Complete the Application to Make a Service Credit Payment (SF-3108) form CSRS CSRS – Complete the Application to Make Deposit or Redeposit (SF-2803) form Submit the completed form to your Benefits and Retirement Specialist for certification and submission to the Office of Personnel Management (OPM) Submit the completed form to your Benefits and Retirement Specialist for certification and submission to the Office of Personnel Management (OPM) – OPM will send you a bill with instructions on where to submit the payment as well as the payment options available to you. –

15 Post-1956 Military Deposit A military deposit is a sum of money paid into the civil service retirement system to receive credit at retirement for military service performed after 12/31/56. A military deposit is a sum of money paid into the civil service retirement system to receive credit at retirement for military service performed after 12/31/56. The deposit is based on the earnings you received while serving in the military plus interest. The deposit is based on the earnings you received while serving in the military plus interest. – 7% of the military earnings for CSRS employees – 3% of the military earnings for FERS employees Interest begins to accrue 2 years after the date first hired in a position subject to retirement contributions. Interest begins to accrue 2 years after the date first hired in a position subject to retirement contributions. Interest is computed at a variable interest rate annually. Interest is computed at a variable interest rate annually.

16 Post-1956 Military Deposit Continued FERS employees receive no Credit unless a Deposit is Paid FERS employees receive no Credit unless a Deposit is Paid CSRS - First Hired before 10/01/1982 CSRS - First Hired before 10/01/1982 – May receive credit if eligible for social security at age 62 or, later if retiring after 62, and a deposit is paid. – A deposit is not required if at age 62 or later you are not entitled to social security. CSRS - First Hired On or After 10/01/1982 CSRS - First Hired On or After 10/01/1982 – Receives no credit unless a deposit is paid. Additional information can be found on our website Additional information can be found on our website

17 How to make a Post-1956 Military Deposit You must first request your Estimated Earnings from your branch of the military using the Estimated Earnings during Military Service form and attach your DD-214(s) You must first request your Estimated Earnings from your branch of the military using the Estimated Earnings during Military Service form and attach your DD-214(s) Once the Estimated Earnings are received, submit it to your Benefits and Retirement Specialist who will compute the deposit amount. Once the Estimated Earnings are received, submit it to your Benefits and Retirement Specialist who will compute the deposit amount. The link below provides step by step procedures, all forms that are required to make your deposit and contact information for the Benefits and Retirement Team. The link below provides step by step procedures, all forms that are required to make your deposit and contact information for the Benefits and Retirement Team.www.wfm.noaa.gov/pdfs/HowToMilitaryDeposit.pdf

18 Federal Employees Health Benefits (FEHB) You must make an election within 60 days of your entrance on duty (EOD) date to be covered. You must make an election within 60 days of your entrance on duty (EOD) date to be covered. You must complete a Health Benefits Election Form (SF- 2809) to enroll in a Self Only or Self and Family plan. You must complete a Health Benefits Election Form (SF- 2809) to enroll in a Self Only or Self and Family plan. Health insurance elections are effective at the beginning of the pay period after your HR Assistant receives your SF Health insurance elections are effective at the beginning of the pay period after your HR Assistant receives your SF You can make changes to your health insurance coverage during the annual benefits open season or usually within 60 days of experiencing a qualifying life event. You can make changes to your health insurance coverage during the annual benefits open season or usually within 60 days of experiencing a qualifying life event. Plan brochures & additional information is available from the OPM website Plan brochures & additional information is available from the OPM website

19 Examples of Qualifying Life Events Marriage Marriage Divorce Divorce Birth/Adoption of a Child Birth/Adoption of a Child Change in employment status Change in employment status Transfer from a post of duty within US to outside of US Transfer from a post of duty within US to outside of US Employee or eligible family member loses coverage under FEHB or another group insurance plan Employee or eligible family member loses coverage under FEHB or another group insurance plan Death of a Spouse or Dependent Death of a Spouse or Dependent

20 Federal Employees Group Life Insurance (FEGLI) You are automatically enrolled in Basic life insurance, which is effective on the first day you enter in a pay and duty status UNLESS you waive this coverage before the end of your first pay period. You are automatically enrolled in Basic life insurance, which is effective on the first day you enter in a pay and duty status UNLESS you waive this coverage before the end of your first pay period. You have 60 days from your EOD date to sign up for any Optional life insurance. If you do not make an election, you are considered to have waived optional insurance. You have 60 days from your EOD date to sign up for any Optional life insurance. If you do not make an election, you are considered to have waived optional insurance. You must complete the Life Insurance Election form even if you are only keeping the automatic Basic Only coverage. You must complete the Life Insurance Election form even if you are only keeping the automatic Basic Only coverage. The Federal Employees' Group Life Insurance Program (FEGLI) offers: The Federal Employees' Group Life Insurance Program (FEGLI) offers:

21 FEGLI Continued Basic Life Insurance — equal to your annual basic pay, rounded to the next higher $1,000 plus $2,000. Basic Life Insurance — equal to your annual basic pay, rounded to the next higher $1,000 plus $2,000. Plus three types of optional insurance: Plus three types of optional insurance: – Option A, Standard — an additional $10,000 – Option B, Additional — up to five times your annual basic pay (after rounding up to the next $1,000). – Option C, Family —coverage for your spouse and eligible dependent children in the amount of up to 5 multiples. Each multiple is worth $5,000 for a spouse and $2,500 for each child.

22 Thrift Savings Plan (TSP) The TSP is a retirement savings and investment plan for Federal employees, offering the same type of savings and tax benefits offered under 401(k) plans. The TSP is a retirement savings and investment plan for Federal employees, offering the same type of savings and tax benefits offered under 401(k) plans. New hires will have 3% automatically deducted from their basic pay. New hires will have 3% automatically deducted from their basic pay. New hires have 90 days to apply for a refund of the 3% automatic deductions. New hires have 90 days to apply for a refund of the 3% automatic deductions. – Refunded by TSP using the TSP-25 form, included in your TSP Welcome letter. When TSP receives your first contribution, you will receive a letter that includes the date your refund request must be received as well as other details related to your refund. You must submit the TSP-1 form to stop, decrease or increase the automatic 3% contribution. You must submit the TSP-1 form to stop, decrease or increase the automatic 3% contribution.

23 TSP Continued The contributions that are made to your TSP account are separate from the contributions to your FERS or CSRS Basic Annuity. The contributions that are made to your TSP account are separate from the contributions to your FERS or CSRS Basic Annuity. You may make changes to your TSP contributions at any time. You may make changes to your TSP contributions at any time. You can contribute up to the Elective Deferral Limit set by the IRS each year. You can contribute up to the Elective Deferral Limit set by the IRS each year. – 2014 Elective Deferral - $17,500 Catch-up contributions (CUC) for participants age 50 or older Catch-up contributions (CUC) for participants age 50 or older – 2014 CUC Amount - $5,500 – No agency matching

24 TSP Continued You may elect to contribute any dollar amount or percentage of your basic pay each pay period. However, your annual contributions cannot exceed the elective deferral limit. You may elect to contribute any dollar amount or percentage of your basic pay each pay period. However, your annual contributions cannot exceed the elective deferral limit. FERS employees receive agency contributions immediately. FERS employees receive agency contributions immediately. – Agency Automatic 1% Contribution – Matching Contributions $-for-$ for the 1st-3rd% $-for-$ for the 1st-3rd% 50% for the 4th-5th% 50% for the 4th-5th% Vested in Agency Contributions — generally after 3 years of civilian service. Vested in Agency Contributions — generally after 3 years of civilian service.

25 TSP Features A choice of investment funds: A choice of investment funds: – Government Securities Investment (G) Fund – Fixed Income Index Investment (F) Fund (G) Fund(F) Fund(G) Fund(F) Fund – Common Stock Index Investment (C) Fund – Small Capitalization Stock Index Investment (S) Fund – International Stock Index Investment (I) Fund; (C) Fund(S) Fund(I) Fund(C) Fund(S) Fund(I) FundOR – 5 Lifecycle (L) Funds - L Income, 2020, 2030, 2040 & 2050 (L) Funds(L) Funds

26 TSP Offers Immediate employee contributions Immediate employee contributions Low administrative and investment expenses Low administrative and investment expenses Transfers or rollovers of eligible distributions into the TSP Transfers or rollovers of eligible distributions into the TSP Ability to make contribution allocations daily Ability to make contribution allocations daily Ability to make interfund transfers twice a month Ability to make interfund transfers twice a month Loans from your own contributions Loans from your own contributions In-service withdrawals for financial hardship or after you reach age 59½ In-service withdrawals for financial hardship or after you reach age 59½ Ability to designate beneficiaries for your account balance Ability to designate beneficiaries for your account balance Protection of spouses' rights for loans and withdrawals and recognition of qualifying court orders Protection of spouses' rights for loans and withdrawals and recognition of qualifying court orders The ThriftLine, and website can be used to obtain automated account info, fund performance info and to perform certain transactions. The ThriftLine, and website can be used to obtain automated account info, fund performance info and to perform certain transactions.www.tsp.gov

27 Flexible Spending Accounts (FSA) The FSA Program allows you to pay for certain health and dependent care expenses with pre-tax dollars. The FSA Program allows you to pay for certain health and dependent care expenses with pre-tax dollars. You have 60 days from your EOD date to sign-up for FSA, or until October 1, whichever comes first. You have 60 days from your EOD date to sign-up for FSA, or until October 1, whichever comes first. Applications for the current calendar year are not accepted from October 1 through December 31. If you wish to enroll after October 1 you will need to do so during open season for the following plan year. Applications for the current calendar year are not accepted from October 1 through December 31. If you wish to enroll after October 1 you will need to do so during open season for the following plan year. If you're newly employed in a position that conveys eligibility for FEHB coverage, you can apply for FSA, even if you don't enroll in the FEHB Program. If you're newly employed in a position that conveys eligibility for FEHB coverage, you can apply for FSA, even if you don't enroll in the FEHB Program.

28 FSA Continued Two FSAs are being offered to eligible employees: – A Health Care FSA (HCFSA) - used to pay for certain health care expenses that are not reimbursed by FEHB or any other source. The maximum amount you may set aside is $2,500 and the minimum amount is $250. – A Dependent Care FSA (DCFSA) - used to pay for eligible dependent care expenses. The maximum amount you may set aside is $5,000 ($2,500 if you are married and filing a separate income tax return) and the minimum amount is $250. There is a family limit of $5,000 for DCFSA.

29 FSA Continued FSAs are not carried over from one Plan Year to the next. You must make a new election/re-enroll for the upcoming Plan Year during the annual benefits open season. FSAs are not carried over from one Plan Year to the next. You must make a new election/re-enroll for the upcoming Plan Year during the annual benefits open season. Claims can be filed for expenses incurred from January 1 through March 15 of the following year. Claims can be filed for expenses incurred from January 1 through March 15 of the following year. All claims must be filed by April 30. All claims must be filed by April 30. NOTE 1: If you have a Health or Dependent Care FSA you can not claim these expenses on your taxes. NOTE 1: If you have a Health or Dependent Care FSA you can not claim these expenses on your taxes. NOTE 2: If you’re transferring from another agency where you contributed to FSA you MUST contact them directly to let them know you’ve changed agencies. NOTE 2: If you’re transferring from another agency where you contributed to FSA you MUST contact them directly to let them know you’ve changed agencies.

30 FSA Contact Information You must use the website or you can contact a Benefits Consultant to enroll in the program. You must use the website or you can contact a Benefits Consultant to enroll in the program. FSA Benefits Consultants are available to assist you at with questions about the program or your account. FSA Benefits Consultants are available to assist you at with questions about the program or your account. The web site also offers access to your personal account and claims information as well as information about the program. The web site also offers access to your personal account and claims information as well as information about the program.

31 Long Term Care (LTC) Insurance The Federal Long Term Care Insurance Program (FLTCIP) provides LTC insurance for Federal employees and their eligible family members. The Federal Long Term Care Insurance Program (FLTCIP) provides LTC insurance for Federal employees and their eligible family members. You (and your spouse) have 60 days from your EOD date to apply for LTC using the abbreviated underwriting application with only a few health-related questions. You (and your spouse) have 60 days from your EOD date to apply for LTC using the abbreviated underwriting application with only a few health-related questions. If you apply AFTER the 60 day period, you have to use the long underwriting application with numerous health- related questions and possibly a review of medical records and/or an interview with a nurse. If you apply AFTER the 60 day period, you have to use the long underwriting application with numerous health- related questions and possibly a review of medical records and/or an interview with a nurse. The cost of the insurance is based on your age when you apply. The cost of the insurance is based on your age when you apply.

32 LTC Insurance Continued LTC is needed if you can no longer perform everyday tasks (eating, dressing, bathing, continence, transferring, and toileting) by yourself due to a chronic illness, injury, disability or the aging process. LTC is needed if you can no longer perform everyday tasks (eating, dressing, bathing, continence, transferring, and toileting) by yourself due to a chronic illness, injury, disability or the aging process. If you're newly employed in a position that conveys eligibility for FEHB coverage, you can apply for LTC, even if you don't enroll in the FEHB Program. If you're newly employed in a position that conveys eligibility for FEHB coverage, you can apply for LTC, even if you don't enroll in the FEHB Program. To enroll or for more information, contact the LTC Partners at or visit their website, To enroll or for more information, contact the LTC Partners at or visit their website, NOTE : If you’re transferring from another agency where you contributed to LTC you MUST contact them directly to let them know you’ve changed agencies. NOTE : If you’re transferring from another agency where you contributed to LTC you MUST contact them directly to let them know you’ve changed agencies.

33 Dental and Vision Insurance Program (FEDVIP) FEDVIP is a supplemental dental and vision program. FEDVIP is a supplemental dental and vision program. You must enroll within 60 days of your EOD date. You must enroll within 60 days of your EOD date. You pay the full premium which is withheld on a pre- tax basis from your pay. You pay the full premium which is withheld on a pre- tax basis from your pay. If you're newly employed in a position that conveys eligibility for FEHB coverage, you can apply for FEDVIP, even if you don't enroll in the FEHB Program. If you're newly employed in a position that conveys eligibility for FEHB coverage, you can apply for FEDVIP, even if you don't enroll in the FEHB Program. If you are enrolled in FEHB and FEDVIP your FEHB dental and vision benefits are the primary payer and FEDVIP is the secondary payer. If you are enrolled in FEHB and FEDVIP your FEHB dental and vision benefits are the primary payer and FEDVIP is the secondary payer.

34 FEDVIP Continued You can enroll in a Self Only, Self plus One, or Self and Family plan. You can enroll in a Self Only, Self plus One, or Self and Family plan. You can select from several national and in some cases regional dental plans or any of the national vision plans. Plan rates for dental insurance is based on your location. Rates can be found at You can select from several national and in some cases regional dental plans or any of the national vision plans. Plan rates for dental insurance is based on your location. Rates can be found at You must enroll online at or via the phone at You must enroll online at or via the phone at If you miss your 60 day enrollment opportunity, you are allowed to enroll during the annual benefits open season or usually within 60 days of experiencing a qualifying life event. If you miss your 60 day enrollment opportunity, you are allowed to enroll during the annual benefits open season or usually within 60 days of experiencing a qualifying life event. NOTE: If you’re transferring from another agency where you contributed to FEDVIP you MUST contact them directly to let them know you’ve changed agencies. NOTE: If you’re transferring from another agency where you contributed to FEDVIP you MUST contact them directly to let them know you’ve changed agencies.

35 Annual Benefits Open Season Every year from the 2 nd Monday of November through the 2 nd Monday of December an Annual Benefits Open Season is held. Every year from the 2 nd Monday of November through the 2 nd Monday of December an Annual Benefits Open Season is held. Employees are allowed to change or enroll in: Employees are allowed to change or enroll in: – FEHB (elections are effective the 1 st day of the 1 st full pay period in the new year) – FEDVIP (elections are effective the 1 st day of the new year) – FSA (elections are effective the 1 st day of the new year)

36 Part-Time Employees Part-Time (PT) permanent employees are entitled to all benefits, however, the cost of the benefits are prorated based on the total number of hours the employee is scheduled to work. Part-Time (PT) permanent employees are entitled to all benefits, however, the cost of the benefits are prorated based on the total number of hours the employee is scheduled to work. To see how the PT work schedule affects your benefits and federal employment, see Benefits for Part Time Permanent Employees at: To see how the PT work schedule affects your benefits and federal employment, see Benefits for Part Time Permanent Employees at: Documents/handbooksguides/PT_Employ_JobSharing/pt 06.asp Documents/handbooksguides/PT_Employ_JobSharing/pt 06.asp

37 Designation of Beneficiary If you die while you are a Federal employee, payments will be made in a particular order set by law for: If you die while you are a Federal employee, payments will be made in a particular order set by law for: – Life Insurance (FEGLI) – Unpaid Compensation (Salary, Leave, Travel, Award, etc) – Thrift Savings Plan (TSP) – Retirement (FERS/CSRS) Standard rules determine who is eligible to receive these payments. If you want these funds to go to someone other than the set order, you need to file a Designation of Beneficiary. Standard rules determine who is eligible to receive these payments. If you want these funds to go to someone other than the set order, you need to file a Designation of Beneficiary. Please remember to update your beneficiaries! Please remember to update your beneficiaries!

38 Order of Precedence If there isn't a valid designation on file when you die, benefits are payable to your: If there isn't a valid designation on file when you die, benefits are payable to your: – Widow or widower – Child or children in equal shares – Parents in equal shares or the entire amount to your surviving parent – Executor or administrator of your estate – Next of kin under the laws of the State where you lived at the time of your death. BE SURE to read the specific instructions on each designation form before designating beneficiaries. BE SURE to read the specific instructions on each designation form before designating beneficiaries.

39 Leave and Earnings Statement (LES) Once you have access, you will be able to view your leave and earnings statement at Once you have access, you will be able to view your leave and earnings statement at It is important to verify your benefit elections on your LES. It is important to verify your benefit elections on your LES. – Please notify your Human Resources Assistant if you notice any errors or inconsistencies with your benefits elections and/or deductions. Any errors in deductions may result in a debt to the government for which you must repay. TRANSFER EMPLOYEES: Compare your 1 st LES from NOAA with your last LES from your previous agency to ensure deductions are correct. TRANSFER EMPLOYEES: Compare your 1 st LES from NOAA with your last LES from your previous agency to ensure deductions are correct.

40 Contact Information If you have specific questions regarding your benefits, contact your Benefits and Retirement Specialist found at If you have specific questions regarding your benefits, contact your Benefits and Retirement Specialist found at


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