Elaine Lumsden – Contributor Profile

Retired after 32 years federal service working in retirement, benefits and OWCP. Upon her retirement in 2000, founded Federal Benefits Services, LLC, providing retirement and benefit seminars throughout the US, Europe and Asia. Has authored a nationally published federal retirement guide to assist federal employees and retirees in getting answers to their questions.

Questions:

Answers:

Votes	Answer
0 votes	OPM will apportion the supplement unless the award identifies a specific dollar amount to the former... posted 2023-02-24 09:59:07 in reply to FERS supplement not addressed in 2008 divorce COAP
0 votes	You have a limited timeline to appeal your disability decision. When you apply for regular Social S... posted 2023-02-24 09:54:40 in reply to Early SS application @ 62 when disability application prev. denied
0 votes	You have a limited timeline to appeal your disability decision. When you apply for regular Social S... posted 2023-02-24 09:54:16 in reply to Early SS application @ 62 when disability application prev. denied
0 votes	This reduction in pay must have come with some explanation. I apologize but without seeing the back... posted 2023-02-23 12:29:19 in reply to Can Fed Agency reduce salary after 1 week on job?
0 votes	First, thank you for your service and YES, they are both earned retirements and you will be able to ... posted 2023-02-23 12:26:48 in reply to Military Retirement and FERS Retirement
0 votes	Unfortunately, without access to the divorce documents, it would be impossible to provide you with t... posted 2023-02-23 12:21:52 in reply to Retirement Annuity to Former Spouse
0 votes	Your OWCP will be reduced by the Social Security attributable to your federal service.... posted 2023-02-23 12:19:26 in reply to What is the effect of full retirement age social security benefit on OWCP LWEC monthly payment?
0 votes	To answer your question, your high-3 average salary is the highest 3 years in your work history even... posted 2023-02-23 12:05:17 in reply to High 3 calculation for LEO retirement if your high 3 were in non-LEO position.
0 votes	It will be based on the pay of record for the dates in that pay status. It would be almost impossib... posted 2023-02-23 12:01:57 in reply to Back Pay for GS Step 11
0 votes	First, if you are retired, you need to use OPM Form 2809, https://www.opm.gov/forms/pdf_fill/opm2809... posted 2023-02-23 11:59:05 in reply to Where to send SF2809 Out of Season

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TSP	G Fund	F Fund	C Fund	S Fund	I Fund
Mar 28	17.4 ~	18.66 ~	61.18 ~	62.68 ~	35.86 ~
Mar 27	17.39 ~	18.69 ~	61.27 ~	62.69 ~	35.69 ~

TSP	G Fund	F Fund	C Fund	S Fund	I Fund
Feb	0.28 %	-2.58 %	-2.44 %	-1.63 %	-2.84 %
Jan	0.34 %	3.25 %	6.28 %	10.82 %	8.43 %
YTD	0.62 %	0.58 %	3.68 %	9.01 %	5.36 %
YTD	0.62 %	0.58 %	3.68 %	9.01 %	5.36 %
1yr	2.98 %	-12.83 %	-18.13 %	-26.26 %	-13.94 %
10yr	2.08 %	1.29 %	12.57 %	9.72 %	4.95 %