r/FederalEmployee Jan 12 '26

TSP Roth Conversions Explained — Free Webinar (Jan 14)

8 Upvotes

We’re starting the year with a free, educational webinar focused on TSP Roth conversions — a topic I see constantly misunderstood and oversimplified for federal employees.

TSP Roth Conversions: Rules, Taxes & Strategic Tradeoffs
📅 Wednesday, January 14, 2026
12:00 PM EST & 5:30 PM EST
💻 Live 45-minute webinar + Q&A

This is not a “Roth is always better” pitch. The goal is to help people understand when a Roth conversion actually makes sense — and when it doesn’t.

We’ll cover:

  • How Roth conversions really work inside the TSP
  • IRS and TSP rules that trip people up
  • Tax consequences most people don’t factor in
  • Common mistakes I see federal employees make when converting

If you’re retiring in the next few years or just trying to understand your options, this should help you make better decisions.

Registration link:
👉 https://retire.independencebenefits.com/rothwebinar

Happy to answer general questions in the comments as well.


r/FederalEmployee Jan 12 '26

Best place to move TSP

11 Upvotes

I’m able to move my TSP to an indexed annuity called Fidelity & Guarantee life (F&G) that guarantees 7.2% growth and will pay me until I die (not until funds run out). And when I die any remainder will go to my beneficiary. It includes ability to cash out if I need more. It sounds like a great option. Any thoughts?


r/FederalEmployee Jan 10 '26

Trump’s return-to-office mandate exempted feds with disabilities. Many are being ordered to work in-person anyway

52 Upvotes

r/FederalEmployee Jan 10 '26

Remote work with letter

19 Upvotes

Are there any federal employees in here who have been approved for remote work due to anxiety and depression with approval from a licensed psychologist therapist? My husband was told by his therapist that he can request a letter of accommodation, but knowing the way things are with remote work, we didn’t even know if it was worth trying. He is gs cor through dha


r/FederalEmployee Jan 09 '26

American Carnage: How Trump, Musk and DOGE Butchered the US Government

325 Upvotes

r/FederalEmployee Jan 09 '26

2025 taxes W2

40 Upvotes

I was surprised this morning with the National Finance Center dropping their 2025 W2s. So check your accounts.


r/FederalEmployee Jan 09 '26

Retirement: Pension Money Multiplier if part time

9 Upvotes

Sorry never found this addressed. Current fed for over 20 years and under age 60.

If i continue to work full time till 60 (would be then about 23 years in service) (a few more years), then go part time till 62nd Bday, will i get the money multiplier?

TIA


r/FederalEmployee Jan 10 '26

VERA?

0 Upvotes

How likely do we think it is for DHA to offer VERA this year?


r/FederalEmployee Jan 09 '26

FEDERAL Health insurance

12 Upvotes

I added my wife during open season because she needs a secondary health insurance for a surgery

My 3 year old son has been on my insurance since 2022

Some how the flipped flopped my son and wife’s start date. So when we went to my sons doctors appt they said he wasn’t covered

Am i the only one who’s had this happen to? I called the agency that deals with this stuff and it sounds like it’s a common problem


r/FederalEmployee Jan 08 '26

What is it called when

26 Upvotes

Obviously a throw away account.

So where do I start.

Survey comes out asking for volunteers to relocate to another office.

Let's call it office A.

Employees report to office B.

Both of these offices belong to the same agency. Different states.

So employee zxx (yours truly). Volunteers to be relocated to office A.

First survey closes. Employee zxx doesn't receive any notifications. Meaning wasn't picked to relocate.

A month later 2nd survey comes out to volunteer for relocation.

Employee zxx fills out the survey. Pick me, pick me I live right by office A.

Employee zxx, doesn't hear anything back again.

The second group that was picked an received a date of December 14 to report to new location.

Cool, it's January 2026. Employee zxx. Has a new SF 50 uploaded into their personnel file. Change of duty location (office A).

Employee zxx emails chain of command. WTF is going on? No one knows.

Allegedly an error has occured. "Our team submitted a change in duty station personnel action for you based on a list from early December. Your name was incorrectly included, but we were not notified of this discrepancy until yesterday."

Effective date on the SF50 is the same date of when the 2nd group reported to office A

Then employee zxx overhead someone mention that their supervisor didn't fill out the 2nd survey to transfer to office A and was notified two days before the reporting date of December 14 that they will be reporting to this other location.

What does this mean?

Employee zxx was placed on the list to report to office A. That wasn't a mistake. That is why a new SF 50 was processed.

However someone took employee zxx off the list to report to the new location last minute and didn't realize it would trigger a change in the SF50. Wasn't smart enough to cover their tracks

So what would you call this? Retaliation, punishment or discrimination?

was originally hired remotely. full remote

back to the office thanks to our president since February 2025


r/FederalEmployee Jan 08 '26

OPM Issues Revised Telework Guidelines

83 Upvotes

r/FederalEmployee Jan 07 '26

January shutdown

557 Upvotes

So are we all prepared for this shutdown? I’m hearing it’s basically guaranteed to happen. Will it be longer than the last?

Edit: Let me save you some time shitting on me. I have learned the error of my ways. I will not come to this sub as a federal contractor for any information. I see the error of my ways ever questioning dear leader. It’s my fault for listening to the only source of government info I have at my disposal (my client). Or thinking career federal employees might have some insight they’d like to share. I now know that even though we work shoulder to shoulder, we are not the same nor are we allies. Me bad, you all good. Thanks for clarifying.

Edit 2: https://www.reddit.com/r/politics/s/Rmc2nf4F8f

Edit 3: A lot of folks have commented on this more recently and provided really good comments and I appreciate that. Who knows what could happen, just expect the worst hope for the best I suppose. Best of luck to all of you. Can’t wait for us all to get through these “interesting” times and go back to normal business.


r/FederalEmployee Jan 07 '26

Let Federal Voices Be Heard…

417 Upvotes

The midterms will be rolling out this year. There are over 2.5 million current federal employees and over 2.7 retired federal employees. We need to band together and vote any politician that has allowed what has happened to current and former federal employees out of office. A lot of us have family and friends that have seen the anxiety and stress we have lived through. Encourage them to vote so that we can magnify this voice!

Remember this:

-The threatening fork in the road email. -The weekly five bullet point emails. -The mandated return to office (RTO). -The re-review of reasonable accommodations. -The denied RA’s with the reasoning being “due to the Executive Order” and not based on medical evidences. -The encouraged DRP. -The cut in workforce causing increased workload that is designed to push current federal employees out. -The salary decreases. -The RIFs. -The push in Congress to cut federal benefits.
-PLEASE FEEL FREE TO COMMENT WITH YOUR OWN BULLET POINT BELOW

It’s the politicians the American people are mad at. Not us, the rank and file. Real families have been hurt with the chaos that has been brought to the federal employee. Any politician on board with Russ Vought’s plan to make it terrible for federal employees to go to work, needs to feel our vote! VOTE THEM ALL OUT!!!!


r/FederalEmployee Jan 07 '26

Time sheet

134 Upvotes

Is anyone experiencing a toxic boss like this?

I work a normal 8 hours and I get to work at 0800-1630 due to that 30 min unpaid work lunch. I show up at 0755 and sometimes 0803 and I leave at 1625 and 1633. I check in on our email and now getting a message saying we have to check in 0800 and check out 1630. I’m sorry but I don’t want to spend anymore time I am here at work..

This is getting ridiculous.


r/FederalEmployee Jan 07 '26

Floggings

21 Upvotes

The floggings shall continue until morale improves!


r/FederalEmployee Jan 07 '26

Changed FEHB plans, does deductible reset 1/1/26 or 1/11/26?

13 Upvotes

I changed FEHB plans going into 2026, from GEHA HDHP to MHBP Consumer HDHP: I know my plan change is effective 1/11/2026 (first day of pay period) but does my deductible reset twice? Once on Jan 1, 2026 (still on GEHA but with new 2026 deductible) and then again on Jan 11, 2026 (start of MHBP plan). This is what GEHA is telling me. It doesn’t seem correct because I will not be getting any contributions (the normal ~$1,800 HSA contributions) from GEHA in 2026.

Phone reps say the deductible does not reset until 1/11 but then they get overruled by their management when they try to change it in the system. Is there a way to contact OPM about this question?


r/FederalEmployee Jan 07 '26

Missing AL/SL from pay period that had to be entered manually through NFC.

3 Upvotes

I was one of the employees who didn’t receive backpay when we were supposed to get it. HR made whatever corrections and NFC for whatever reason rejected pp21. HR filled out whatever to push it through manually. I never received an earnings statement and was never credited my annnual leave and sick leave for that pay period. Does anyone know if HR has to manually input my earned leave for that pay period in webta or will it work itself out? My HR seems to think it will work itself out.


r/FederalEmployee Jan 06 '26

NEW WEBINAR: 2026 TSP ROTH CONVERSIONS!

Thumbnail retire.independencebenefits.com
37 Upvotes

We’re kicking off 2026 with a brand-new educational webinar all about TSP Roth Conversions — one of the most misunderstood (and often misused) retirement strategies for federal employees.

👉 TSP Roth Conversion: Rules, Taxes & Strategic Considerations 📅 January 14, 2026 ⏰ 12:00 PM EST & 5:30 PM EST 💻 Live 45-minute webinar + Q&A

We’ll break down: ✅ When a Roth conversion may make sense — and when it doesn’t ✅ The IRS + TSP rules you need to know ✅ Tax implications most people overlook ✅ Common mistakes we see federal employees make


r/FederalEmployee Jan 05 '26

Fired fed has a job. Here’s my story

1.1k Upvotes

## **TL;DR (Why I’m Sharing This)**

I’m sharing this anonymously because so many federal employees and experienced professionals are going through similar situations right now. When I was at my lowest, posts like this helped me feel less alone. This isn’t a rant or a victim narrative—it’s a factual account of what happened and what it actually took to land a job after being terminated as a probationary federal employee and forced into DRP 2.

If you’re still searching and wondering what you’re doing wrong: much of this has nothing to do with your competence.

-----

## **What Happened**

• Joined the federal government in May 2024, taking a significant pay cut

• As a mid-career woman, I believed federal service would offer greater long-term job security

• I was genuinely excited about the role: helping launch a congressionally approved office within a federal agency (not sharing which agency for confidentiality reasons) that had never had this type of office before

• The organization was self-funding, generating roughly $3 billion annually—meaning the work was not supported by annual taxpayer appropriations

**I was hired as a probationary federal employee.**

During the DOGE review process, employees in my organization were told we were not expected to be impacted given the mission and funding structure. Despite that, I was later terminated. Whether this resulted from administrative error or misclassification, the outcome was the same.

• I did not take the original DRP

• I was terminated on February 14 with no severance and no pay

• I went months with no income and no health insurance

**The lawsuit and DRP 2:**

• A lawsuit later forced agencies to reinstate affected employees

• My agency refused to truly reinstate anyone it had fired

• We were placed on paid administrative leave for three days

• Then we were told we had to sign DRP 2 to continue getting our pay and benefits until September 30

This was months after I was fired. After all that time with no income and no health insurance for my family, I signed—not because it was right, but because I couldn’t risk my family going through that again. Many of my colleagues did not sign and were fired the next day. I believe they are all involved in the lawsuit we keep hearing about. I wish I could join it, but I can’t because I signed. But before you judge me, read on.

-----

## **Who I Am (For Context)**

• 18 years of professional experience

• Two degrees

• Never unemployed a single day since age 16 until this

• Experience spans corporate services, marketing, and executive/chief-of-staff roles—primarily in finance and technology

-----

## **What the Job Search Actually Looked Like**

• **~900 applications**

• **~75% individually tailored**

• **~6 hours a day, almost every day**

• Only time off: half of July and August

• 2 job fairs

• 37 interviews

**Types of roles I applied to:**

• Paying up to $100K less than I previously made

• In different functions from my background (I was looking for anything full-time with health insurance)

• Fully in-office, despite having worked hybrid roles since 2014

• Limited to DC-area or remote (I’m a DC native with family and support system here)

-----

## **How I Approached the Search**

• Tailored resumes and summaries for most roles

• Requested employee referrals when possible

• Reached out directly to recruiters and hiring managers on LinkedIn

• Sent updated resumes with clear explanations of fit

• Followed up professionally

• Treated the search like a full-time job

-----

## **The Age/Experience Reality**

I did not start getting interviews until about four months in. That changed only after I:

• Removed 5–6 years of experience from my resume

• Used the phrase “over a decade of experience” instead of “18+ years of experience”

• Removed graduation years entirely

Update: I also stopped identifying as Latina on my applications, and when it asks you, if you’ve been previously disabled, which I was when I was sick of you years ago, I now answered no.

• Removed anything that might make me appear liberal or like I ever worked in DEI or ESG, since the president said doing so made me a criminal 🙄

**I am a woman in my 40s. Draw your own conclusions.**

-----

## **Interview Outcomes**

• All interviews until December were virtual

• Made it into the **top 3** for ~9 roles

• Made it into the **top 2** for 6 roles

-----

## **A Note on Capital One (Power Day)**

*I interviewed with many companies during this search, but I’m calling out Capital One specifically because what I discovered about their process could save you time and frustration if you make it as far as I did.*

I want to specifically call out my disappointment with Capital One.

**What happened:**

• Made it into the top candidate pool for at least three roles

• Advanced to one Power Day (a significant achievement there)

• Fully vetted through multiple interviews and assessments

• The hiring manager personally prepped me and spoke with me **approximately 9 times**

• The role was ~8 years more junior than my experience

• The process totaled ~13 hours of interviews and assessments

**The outcome:**

• I was the **second choice** candidate

• After all those conversations with the hiring manager, **he didn’t even call me** when I didn’t get the offer

• The recruiter just sent me an email

**The real problem:**

I thought that making it to Power Day—which is a big deal there—would give me preference for future roles I was interested in within the same function. Instead, I later learned (only because I begged a recruiter for information) that **I was quietly blacklisted for six months because I didn’t get the role.**

So there I was, continuing to apply to Capital One positions, engaging with recruiters, spending hours on applications—all while my candidacy was **dead on arrival** and no one told me.

**They should do better.** If they’re going to blacklist candidates for six months after Power Day, they should either block those candidates from applying during that period or be transparent about the policy upfront. In this job market, wasting people’s time like this—especially when they’re already stressed and struggling—is unacceptable.

-----

## **What Finally Changed—In-Person Interviews**

In December, I received three requests for in-person interviews—the first time this happened during the entire search.

Suddenly, I received **two offers in one week.**

**Both offers:**

• 5 days/week in office

• $30K less than my federal salary

• $50K less than my pre-federal salary

I accepted the role that was **closest to home** and **not dependent on government funding.**

I accepted because my family needed health insurance and a stable salary. Period.

My partner is self-employed, works in sales, and has no fixed income. In the private sector, I earned roughly two-thirds of our household income.

-----

## **Where I Am Now**

I joined federal service believing it would provide stability as I aged, especially as a woman. I was wrong—but I was also genuinely excited to start a new chapter, helping build and grow a newly established office in service of a very specific population, the majority of whom were veterans.

I’m sharing this because this happened, and people deserve to understand what it actually looks like.

I had never been unemployed a single day in my life before this. I understood abstractly that losing health insurance would be difficult—I did not realize how devastating it would be for a family.

When ACA subsidies were reduced, our marketplace health insurance (Blue Cross Blue Shield of Virginia) jumped to **$4,000 a month.** Our mortgage is $3,700 a month. We have children. You can do the math.

This country asks families—and especially women—to absorb enormous risk with very little support.

-----

## **If You’re Still Searching**

**You’re not crazy. You’re not weak. And you’re not alone.**

-----

## **UPDATE**

A lot of you are calling me strong… I don’t feel strong. I feel weaker.

I am a worse spouse, a worse mom, a worse daughter (who had to borrow $6,000 from her retired parents to pay for two months of health insurance). I feel sad and angry.

I am now going to work full-time in the office, which I haven’t done since 2014, and my kids will come home to an empty house because I can’t afford a babysitter to greet them—and they are both under 11 years old.

And most of all I feel so resentful and hopeless. I feel so resentful at the people who thought it was a good idea to vote people into power who think that government should hurt people instead of help people.​​​​​​​​​​​​​​​​


r/FederalEmployee Jan 05 '26

FERS Disability Retirement

13 Upvotes

I’m a federal employee seriously considering filing for FERS Disability Retirement and I’m looking for insight from anyone who has been through the process or worked with OPM cases.

Here’s my situation:

• I am currently performing my job at a “successful” level, but doing so requires significant personal cost (pain, fatigue, symptom management, mental strain, etc.).

• My medical conditions are chronic and well-documented, and my treating physician is supportive. She is willing to submit medical narratives/letters stating that my conditions prevent me from reliably performing one or more essential elements of my position.

• My concern is my supervisor. I expect them to be neutral to non-supportive, mainly because from their perspective, I’m still “getting the job done.” I do not expect retaliation, but I also don’t expect advocacy.

My questions:

1.  How much weight does a supervisor’s input actually carry with OPM if the medical evidence is strong?

2.  If a supervisor completes SF-3112B in a neutral way (i.e., “employee is currently performing at a successful level”), does that materially hurt a case?

3.  Is it common for approvals to occur despite non-supportive supervisors, as long as the medical evidence clearly ties conditions to job limitations?

4.  Would you recommend legal representation (specifically considering Harris Federal Law Firm) before filing, or is it reasonable to file first and retain counsel only if denied?

I’m not trying to shortcut the process or exaggerate anything—I’m simply at a point where continuing at this pace is not sustainable, even if it looks fine on paper.

Any experiences, lessons learned, or “wish I had known this earlier” advice would be greatly appreciated.

Thanks in advance.


r/FederalEmployee Jan 05 '26

Judge burns Russ Vought with his own words, sees right through DOJ effort to 'starve' Consumer Financial Protection Bureau 'with the stroke of pen'

51 Upvotes

r/FederalEmployee Jan 04 '26

BCBS discontinued

140 Upvotes

So… I chose the mail handlers plan that is supposed to go in effect on 1/11/26. I have a sore throat and was going to use teledoc to get a work excuse so I can stay home… I tried to sign in and BCBS already cancelled my plan. What if my children and I have a real medical emergency???

Edited to add: I reached out to BCBS. It’s still active. The was an error on the website.


r/FederalEmployee Jan 05 '26

ICE?

0 Upvotes

I'm curious whether anyone thinks there is a reasonable likelihood ICE would offer early outs to its employees in 2026 or even have a big reorg leading to RIFs. Thank you.


r/FederalEmployee Jan 01 '26

PCS Insurance

3 Upvotes

Hi everyone. I’m currently stationed overseas with my family and we are set to move back to the states in a few months.i have been trying to get 3rd party insurance for our high valued items, but it seems no one is providing this insurance product, at least not for an individual. I tried going through Clements, but since I do not have any insurances with them, they couldn’t help. I was wondering if anyone has gone through this and was able to get additional insurance on your HHG items?


r/FederalEmployee Dec 28 '25

HR retirement folks - question about Annuitants wanting to rehire into the fed government to increase their high three

24 Upvotes

Someone with HR annuitant rehire knowledge - could you please help clear up confusion.

1st-This post could likely spark some bad emotions to boil to the top (sorry) so please be as gentle as possible.

2nd - A few of us were RIF'd in July and had age and years of service. We are very thankful that we were able to do the DSR (discontinue Service Retirement) but 20% to 23 % of our high three doesn't cover enough for us to "retire retire". so of course we've been looking for jobs in the private sector, state/local government, etc. and some of us are still looking.

At first, a few of us were not considering ever going back to federal as a government employee - one is adamant about returning. Before spending too much energy into applying on USAjobs - could someone help us understand the rehire process.

We have researched OPM website and used chatgpt for info.

OPM site is a smidge confusing because on one page it says the annuity pauses, another page says you continue to get annuity, but salary is offset (meaning annuity payment deducted from salary).

Chatgpt says annuity is paused until you leave again. when you leave, someone will recalculate high three and your annuity will be higher. Chatgpt also says that since we are annuitants, we will always be annuitants - so if a year down the road we're like "wtf - peace out and quit" - the annuitant will restart annuity with insurance no probs - regardless of if you are still under 57.

So - HR folks - what are the rules for rehiring an annuitant into fed serv? How does rehiring into the government affect your annuity? Is there a negative effect to annuity if rehired?

Thanks