About Betty Morales
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Betty Morales has been an approved member of the affiliate Network since 20 February 2019
How to Plan for Long-Term Care as a CSRS Retiree
Key Takeaways: Long-term care planning is essential for CSRS retirees to ensure financial stability and access to necessary care.Exploring insurance...
Surprised by the Windfall Elimination Provision? Here’s How It Could Affect Your Benefits
Key Takeaways: The Windfall Elimination Provision (WEP) can significantly reduce Social Security benefits for public sector employees with pensions.Understanding WEP's...
The FEGLI Dilemma: Keep It, Drop It, or Replace It? Here’s What You Need to Know
Key Takeaways: Federal employees have multiple options when it comes to life insurance, but understanding the intricacies of the Federal...
What are the Basic Structures of CSRS and FERS?
Key Takeaways: The Civil Service Retirement System (CSRS) and the Federal Employees Retirement System (FERS) are the two main retirement...
Thinking About Retirement? Here’s How to Make Sure Your FERS Benefits Work as Hard as You Did
Key Takeaways: Federal employees can maximize their FERS benefits by understanding the key components of their retirement plan.Proper planning and...
Worried About Losing Your Social Security? The GPO and WEP Explained for Federal Employees
Key Takeaways: Federal employees need to understand the impact of the Government Pension Offset (GPO) and Windfall Elimination Provision (WEP)...