2022 AFBA Financial Planning Guide

General Schedule Pay Table — Rest of U.S. “RUS” — Effective January 1, 2022 Grade Step 1 Step 2 Step 3 Step 4 Step 5 Step 6 Step 7 Step 8 Step 9 Step 10 GS-1 $ 23,440 $ 24,227 $ 25,005 $ 25,781 $ 26,560 $ 27,015 $ 27,787 $ 28,563 $ 28,594 $ 29,322 GS-2 26,356 26,984 27,857 28,594 28,918 29,768 30,619 31,469 32,320 33,170 GS-3 28,758 29,717 30,676 31,634 32,593 33,552 34,510 35,469 36,428 37,386 GS-4 32,283 33,359 34,435 35,511 36,587 37,663 38,739 39,815 40,891 41,967 GS-5 36,118 37,322 38,526 39,730 40,934 42,138 43,341 44,545 45,749 46,953 GS-6 40,262 41,604 42,946 44,288 45,631 46,973 48,315 49,657 50,999 52,341 GS-7 44,740 46,231 47,722 49,213 50,704 52,195 53,686 55,176 56,667 58,158 GS-8 49,549 51,200 52,851 54,502 56,154 57,805 59,456 61,107 62,758 64,410 GS-9 54,727 56,551 58,375 60,200 62,024 63,848 65,673 67,497 69,321 71,146 GS-10 60,266 62,275 64,284 66,293 68,302 70,311 72,321 74,330 76,339 78,348 GS-11 66,214 68,421 70,628 72,834 75,041 77,247 79,454 81,661 83,867 86,074 GS-12 79,363 82,009 84,655 87,301 89,947 92,593 95,239 97,885 100,530 103,176 GS-13 94,373 97,519 100,664 103,810 106,955 110,101 113,246 116,392 119,537 122,683 GS-14 111,521 115,238 118,955 122,672 126,390 130,107 133,824 137,541 141,259 144,976 GS-15 131,178 135,551 139,923 144,296 148,669 153,041 157,414 161,786 166,159 170,532

a. National Increase. This increase is based upon the change in the Employment Cost Index (a statistical measure maintained by the Department of Labor). For 2022, the national increase is 2.2%. b. Locality Increase. This increase is based upon market surveys in designated areas. The objective is to achieve pay comparability between the federal and non–federal workforce in a given geographical area. Currently there are a total of 53 locality pay areas — 52 specific geographical regions and one area which is designated as the “Rest of the United States” (RUS). In 2022 there is an average 0.5% increase in locality pay. The table above provides the RUS pay schedule effective January 1, 2022. To see all pay scales by pay location, go to https://www.opm.gov/policy-data-oversight/pay-leave/ salaries-wages/2022/general-schedule . 7–4. HEALTH, LIFE&LONGTERMCARE INSURANCE. Federal Employees Health Benefits Program (FEHB). The federal government operates an extensive health care program that includes over 250 benefit plans and covers approximately eight million enrollees and their dependents. Participation is voluntary and is open to both active employees and retirees. The program includes the following features: — Premium cost is shared by the government; — Enrollment within 60 days of full–time employment; — No waiting periods, medical examinations, or restrictions because of age or physical condition; — Termination of coverage at any time by the employee;

— Open season period during which employees can change health plans and/or levels of coverage. — You may keep your coverage at the same cost when you retire (rules apply). More information can be found at www.opm.gov/healthcare- insurance/healthcare. Federal Employees Group Life Insurance (FEGLI). This program is the largest group life insurance program in the world, covering over four million federal employees, retirees and their family members. The program is term life and provides a basic level of coverage and three optional levels of coverage. In most cases, if you are a new Federal employee, you are automatically covered by basic life insurance and your payroll office deducts premiums from your paycheck unless you waive the coverage. The optional levels, which are not automatic, provide additional amounts of insurance and can include coverage for family members. The government pays 1/3 of the premium cost for the basic coverage. You must pay the full cost for the optional levels of coverage and the cost depends on your age. For more information go to www.opm.gov/healthcare-insurance/life- insurance . Federal Long Term Care Insurance Program (FLTCIP). Most health insurance programs, including the FEHB Program, TRICARE, and TRICARE For Life, provide little or no coverage for long term care. FLTCIP is open to federal and postal employees and retirees, active and retired members of the military, and certain relatives including current and surviving spouses. The program is designed to provide

CHAPTER 7: CIVIL SERVICE PAY & RETIREMENTS

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