When comparing CSRS vs FERS, it’s essential to understand the key differences between these federal retirement systems. CSRS, or Civil Service Retirement System, is a traditional pension plan for employees hired before 1984, offering higher annuity payments but no Social Security benefits. FERS, or Federal Employees Retirement System, covers employees hired after 1984, combining Social Security, a pension, and the Thrift Savings Plan (TSP). Understanding these distinctions is critical for federal employees planning their retirement.

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