AskFERS™ gives advisors and insurance agents a complete federal retirement workbench: FERS pension, supplement, TSP, FEGLI (with SF-50 code decoding), FEHB, Social Security and survivor analysis — plus an AI trained on OPM, TSP and SSA rules that reads LES and SF-50s for you.
7-day free trial · Cancel anytime · Built on current 2026–2027 OPM, TSP and SSA figures
MRA, MRA+10 reductions, special-provision 1.7% formulas, sick-leave credit, survivor elections, part-time proration and side-by-side retirement dates.
Bridge-to-62 estimate with the 2027 earnings test built in, and clear eligibility rules for MRA+30, 60+20, VERA and special provisions.
Matching, catch-up (including ages 60–63), Roth/traditional, installments, RMDs at 73/75 and the age-55/50 separation rule.
Type a code like Z5 or O0 from the SF-50 and see every option, the premium today, and what it costs at every age into retirement.
5-year rule, 2027 government contribution limits, PSHB Part B requirements for postal clients, and premium growth in the income plan.
Upload an LES, SF-50, TSP or Social Security statement. AskFERS pulls the salary, FEGLI code, SCD, sick leave and balances into the client file.
Q: TSA officer, born 1970, 22 years, wants to leave at 55. Supplement?
AskFERS: TSOs are regular FERS, so at 55 with 22 years she isn't eligible for an immediate unreduced annuity (her MRA is 57). Options: (1) MRA+10 at 57 — reduced 25% unless she postpones, and no supplement; (2) stay to 60 for 60+20 — unreduced, with the supplement until 62; (3) VERA if offered — 50+20, no age reduction, supplement starts at MRA. Sources: 5 U.S.C. 8412, 8414, 8421.
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