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Planning for retirement from Federal service is a major financial milestone. Because Federal retirement includes multiple benefit programs, eligibility rules, and important timing decisions, it requires careful planning well before your final day on the job.

This overview helps Civilian Federal Employees understand what to expect—and what steps to take—at each stage of retirement planning, from learning how your benefits work to selecting the right retirement date.

Need more information? Explore WAEPA’s full Federal Retirement Guide.

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Group Term Life Insurance

Up to $1.5 million in temporary protection for current and former Feds. Fully portable, this coverage goes where you go.

QuickDecision Group Term Life Insurance

With QuickDecision underwriting, eligible applicants can apply online and receive a coverage decision in 30 minutes or less.

Group Short-Term Disability Insurance

Up to $6,500 in monthly paycheck protection for up to six months if you’re unable to work due to a covered illness or injury.

Guaranteed Issue Group Term Life Insurance

New Federal employees can receive up to $100,000 in guaranteed coverage when they apply within their first year without medical exams.

Chronic Illness Rider

A living benefit that can be added to a Group Term Life Insurance policy and offers support if you become permanently chronically ill.

Automatic Benefit Increase Rider

An optional add-on to Group Term Life Insurance that gradually increases your coverage to stay aligned with your changing needs.


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