What is a Federal Annuitant?

Shawn Plummer

CEO, The Annuity Expert

What is a federal annuitant?

A federal annuitant is an individual who receives a pension or annuity from the federal government, typically as a result of retirement from federal service. This includes employees of various government agencies who have completed a career in the public sector.

Examples of Federal Annuitants

  1. Retired Military Personnel: Individuals who served in the U.S. armed forces and retired after completing their service.
  2. Former Civil Servants: Employees of government agencies like the FBI, NASA, or EPA who have retired.
  3. Postal Workers: Employees of the United States Postal Service who have retired.

How Federal Annuity is Calculated

The federal annuity is typically calculated based on factors such as:

  • Length of service
  • The average of the highest three years of salary
  • Age at retirement
  • Specific retirement plan (e.g., FERS, CSRS)

Benefits for Federal Annuitants

  • Regular Income: A steady income stream after retirement.
  • Health Benefits: Continued access to federal health insurance programs.
  • Survivor Benefits: Provision for family members in the event of the annuitant’s death.
What Is Federal Annuitant

Comparison of Federal Retirement Systems

FeatureCivil Service Retirement System (CSRS)Federal Employees Retirement System (FERS)
Retirement AgeEarlier retirement ageLater retirement age
Pension FormulaHigher percentage of salaryLower percentage of salary
Social SecurityNo Social Security benefitsIncludes Social Security benefits
Thrift SavingsNo automatic government contributionsGovernment matches contributions


Being a federal annuitant means receiving a pension from the government post-retirement, calculated based on service length, salary, and age. The benefits include a regular income, health benefits, and survivor benefits. Understanding the nuances of federal retirement systems is crucial for a secure post-retirement life.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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