Best Dates to Retire in 2013

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Best Dates to Retire in 2013

  1. 1. Tammy Flanagan Best Dates to Retire 2013National Institute ofTransition Planning On the following calendars, the dates highlighted in blue signify the last day of the month. That’sMay 2012 always considered a good day to retire because you become an annuitant the following day. You’ll be paid your salary for that whole month and your first retirement check will be for the next month.Key Under the Civil Service Retirement System, the days highlighted in yellow — the 1st, 2nd or 3rdEnd of leave period of the month — are sometimes good, because retirement benefits still will kick in the following day. Another important set of days — the end of the leave periods for most federal employees — are highlighted in gray. If you retire in the middle of a leave period, you don’t accrue any sick orEnd of the month annual leave for that period -- it is not pro-rated. This means that periods at the end of a month (or the first three days of the month under CSRS) that are also the end of a leave period areBeginning of the month good times to retire. December 2012/January 2013 Sunday Monday Tuesday Wednesday Thursday Friday Saturday 30 31 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 February 2013 Sunday Monday Tuesday Wednesday Thursday Friday Saturday 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28
  2. 2. March 2013 Sunday Monday Tuesday Wednesday Thursday Friday Saturday 1 23 4 5 6 7 8 910 11 12 13 14 15 1617 18 19 20 21 22 2324 25 26 27 28 29 3031April 2013 Sunday Monday Tuesday Wednesday Thursday Friday Saturday 1 2 3 4 5 67 8 9 10 11 12 1314 15 16 17 18 19 2021 22 23 24 25 26 2728 29 30May 2013 Sunday Monday Tuesday Wednesday Thursday Friday Saturday 1 2 3 45 6 7 8 9 10 1112 13 14 15 16 17 1819 20 21 22 23 24 2526 27 28 29 30 31June 2013 Sunday Monday Tuesday Wednesday Thursday Friday Saturday 12 3 4 5 6 7 89 10 11 12 13 14 1516 17 18 19 20 21 2223 24 25 26 27 28 2930
  3. 3. July 2013 Sunday Monday Tuesday Wednesday Thursday Friday Saturday 1 2 3 4 5 67 8 9 10 11 12 1314 15 16 17 18 19 2021 22 23 24 25 26 2728 29 30 31August 2013 Sunday Monday Tuesday Wednesday Thursday Friday Saturday 1 2 34 5 6 7 8 9 1011 12 13 14 15 16 1718 19 20 21 22 23 2425 26 27 28 29 30 31September 2013 Sunday Monday Tuesday Wednesday Thursday Friday Saturday1 2 3 4 5 6 78 9 10 11 12 13 1415 16 17 18 19 20 2122 23 24 25 26 27 2829 30 5*October 2013 Sunday Monday Tuesday Wednesday Thursday Friday Saturday 1 2 3 4 56 7 8 9 10 11 1213 14 15 16 17 18 1920 21 22 23 24 25 2627 28 29 30 31
  4. 4. November 2013 Sunday Monday Tuesday Wednesday Thursday Friday Saturday 1 23 4 5 6 7 8 910 11 12 13 14 15 1617 18 19 20 21 22 2324 25 26 27 28 29 30December 2013/January 2014 Sunday Monday Tuesday Wednesday Thursday Friday Saturday1 2 3 4 5 6 78 9 10 11 12 13 1415 16 17 18 19 20 2122 23 24 25 26 27 2829 30 31 1/1 1/2 1/3 1/41/5 1/6 1/7 1/8 1/9 1/10 1/11
  5. 5. It’s always a good time to apply. With benefits designed specifically for the Federal family, the Federal Long Term Care Insurance Program (FLTCIP) offers a smart way to help protect savings and assets should you need long term care services someday. Premiums are based on your age, and you can apply for coverage any time using the full underwriting application. Start planning for the future by calling us or going online to find out more about the FLTCIP today. Note: Certain medical conditions, or combinations of conditions, will prevent some people from being approved for coverage. You need to apply to find out if you qualify for coverage under the FLTCIP. The Federal Long Term Care Insurance Program 1-800-LTC-FEDS (1-800-582-3337) TTY 1-800-843-3557 www.LTCFEDS.com/GovExec The Federal Long Term Care Insurance Program is sponsored by the U.S. Office of Personnel Management, offered by John Hancock Life & Health Insurance Company, and administered by Long Term Care Partners, LLC. REF009329REF009329_FLTCIP_GovExec_.indd 1 4/19/2012 10:00:48 AM

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