**Human Capital Survey**

**December 2005**

**Question 27**

Question: What component of your retirement system would you like
improved?

Response: open ended

1.  Most definetly the dental portion. It does not due justice in most
    situations if you need anything other than basic cleaning and
    fillings. Anything more than that just does not cover anything.

2.  Dental coverage

3.  how to find information

4.  Need better dental and vision benfits and less expensive life
    insurance.

5.  Health Insurance

6.  Investment counseling

7.  Higher benefits

8.  Don\'t know

9.  none

10. A RETIREE SHOULD BE ABLE TO RECEIVE A SURVIOR SOCIAL SECURITY
    BENEFIT JUST LIKE NON FEDERAL EMPLOYEES CAN.

11. Dental Insurance

12. Not sure.

13. Higher percentage of high three at 30/55.

14. Ablitiy to claim social security that has been paid in.

15. FEGLI

16. none

17. Long term care, dental

18. Eliminate social security offset!

19. Long Term Care

20. Dental coverage.

21. Dental insurance

22. better health care coverage

23. The ability to use my spouses social security benefits.

24. FERS needs an adequate annual cost of living component

25. none

26. HEALTH INSURANCE

27. Long term care insurance

28. The Annuity value

29. More options in the TSP.

30. combination of age and service equal 80 to be eligible

31. Annuities and government match for CSRS TSP participants.

32. Spousal benefit, dental

33. I would like some assurance that I won\'t have my retirment system
    changed especially social security since I made an agreement with
    the agency to switch to FERS which was based on an agreement of
    certain benefits.

34. Dental insurance

35. Flexible Savings Account availability for retirees.

36. FEHB, annuity, social security-I believe I should be elligible to
    recieve full benefits as my parents recieved from social security. I
    contributed a lot more to it and my benefits should not be reduced.
    Especially at my age. Close to retirement and not having enough time
    to save the additional assets I feel I need to retire with and that
    I should get through social security.

37. If you are in CSRS you should not be penalized if you have also
    worked to earn Social Security benefits with the windfall profit
    provision. The employee has contributed just like everyone else and
    at the same rate as everyone else.

38. Elimination of The Windfall Elimination Provision (WEP}

39. annuity

40. Dental Insurance

41. Long Term Care insurance

42. Insurance: dental insurance is nonexistant or very costly, and life
    insurance cost more through the Federal gov than private sector.

43. Better dental and optical health coverage.

44. The Federal government has lost ground in its retirement benefits.
    Most aspects need to be improved if we plan to attract and retain
    employees in the future.

45. All components need to be brought more in line with private sector
    benefits. We should be eligible for full Social Security benefits if
    we earned them.

46. lower life insurance costs

47. Health Insurance, Life Insurance, Long Term Care Insurance, and
    Spousal Retirement Benefits

48. The percentage of annual salary received as the basic annuity after
    30 years service is too low. The number of years (42) required to
    maximize the basic annuity is too long

49. am unsure

50. Health/dental insurance

51. vision and dental benefits

52. Ask me after I retire, I haven\'t had time to study it enough to
    make a vadid comment.

53. reduce health insurance premium paid by retiree

54. Long term care assistance

55. Nothing

56. Health and dental insurance. The health insurance is too structured
    and follows a preet pattern which may not be flexible enough for
    local plans. It seems to be too expensive compared to local plans if
    you consider what the employee pays and the government share. Dental
    in the various plans is only a token benefit.

57. health insurance, social security penalties eliminated

58. employees portion of health benefits rates is too high. Gov\'t needs
    to pay higher percentage.

59. A higher component of dental insuraance in the health insurance
    plans.

60. better health care

61. Spousal benefits when they receive SS benefits.

62. Long term care insurance

63. I have a Social Security payment which will be dramatically reduced
    because of my CSRS retirement, which I think is wrong, as I\'ve
    earned each.

64. Increase the value/benefits of unused sick leave.

65. Health Insurance

66. Health insurance

67. Long term health care

68. Health Insurance/Dental

69. Health insurance

70. Don\'t know

71. of course the money aspects.

72. No penalty for early retirement.

73. Spousal benefits

74. insurance

75. none

76. none

77. Nothing.

78. Long Term Care: remove discrimination against employees with
    pre-existing conditions.

79. Dental/health insurance and be eligible for social security

80. social security

81. not applicable am CSRS

82. Face to face training on long term care insurance.

83. Social Security

84. An opportunity to invest in

85. Health/life insurance premiums.

86. Better Health care

87. understanding the complexities

88. I\'m satisfied with the retirement system.

89. Dental insurance and the ability to be able to repay a withdrawal
    from Fers for younger employees as in the Civil Service Retirees
    package.

90. Ability to contribute more.

91. Annuity

92. Leave it alone! Its fine

93. Collect Social Security and have dental covered under regular health
    insurance

94. 20 years any age

95. That a Flexible Spending Acct. for health care expenses be available
    to annuitants.

96. Annuity for FERS

97. dental and eye coverage

98. Dental Insurance

99. help with cost of health and dental insurance programs

100. Dental insurance and long term care.

101. Dental insurance

102. a package with life and health insurance at a lower price.

103. Health and Dental insurance

104. Better Dental coverage

105. Some contribution to health insurance

106. Annuity

107. dental plan

108. TSP - BE ABLE TO LEAVE IT INDEFINETLY AFTER RETIREMENT & BE ABLE TO
     MANAGE IT.

109. Elimination of the WEP

110. HEALTH AND LIFE INSURANCE BENEFITS

111. Dental insurance

112. We get conflicting stories about fers AND WHEN YOU CAN RETIRE AND
     START COLLECTING, MANY WANT OUT EARLY BECAUSE OF THE AGENCY AND WE
     HAVE HAD ENOUGH.

113. Better dental and vision coverage through health insurance

114. health and dental

115. As a CSRS Employee we should not be penalized if we are able to
     qualify for social security.

116. N/A

117. dental/vision benefits

118. None

119. Dental insurance and long term care

120. Improve health package for active and retired employees

121. spouse benefits-reduced by social security

122. Retirement seminar was not available until late in my career. That
     is not the time to present this type of important information. This
     information should be made available to employees after they become
     tenured so they have sufficient information to make their decisions
     about various items related to retirement and have time for those
     decision to be meaningful to the employee\'s retirement benefits.

123. be allowed to draw full social security

124. Eliminate the general rule on deducting your contributions to the
     retirment system so that the contributions can be taken up front
     and not scheduled over your projected life span.

125. The eliminitation of the social security windfall elimination
     provision so I (and other worthy employees) may draw an equatable
     social security retirement supplement.

126. It should not take so long to get the first check for one thing.
     Also, for someone who has given the best years of their life to the
     agency, at least a decent parting gift of some kind would be
     appreciated and is usually

127. Dental insurance

128. Sooner rather than later.

129. Years of service reduction combined with age without penality

130. Flexibility to make changes during the year.

131. Health Insurance

132. To be able to recive the social security that I paid for, before I
     came to work for the agency.

133. lower the age requirement

134. Require retirement training for employees at early, mid, and late
     stages of their careers.

135. Annuity

136. Annuity

137. annuity - especially survivor benefit reduction calculation

138. Annuity

139. Dental Insurance

140. Health Insurance, we are about as bad as it gets.

141. Spousal retirement benefits

142. Pleased at this point

143. Have NRCS matching TSP allotments

144. Annuity % are not competitive with the private sector.

145. Training on the retirement system should begin within 6 months of
     being hired and given at least every two years after that. I made
     poor choices for the first 2/3rds of my career because I didn\'t
     receive any training and didn\'t understand the importance of my
     choices. What I know now, I\'ve mostly learned on my own.

146. Annuity

147. None

148. TSP

149. Gov. share of insurance increased.

150. Higher retirement income.

151. Savings management

152. Better Dental/Eye Insurance coverage

153. For the Gov. match funds for CSR employees

154. Earlier training on retirement options and planning. More info on
     things like Long Term Life Insurance.

155. Thrift Savings Plan account

156. Long Term Care Insurance

157. CSRS is a good system - would be difficult to improve it.

158. Health Insurance

159. Eliminate WEP and GPO

160. TSP more open ended. Would like to be able to manage the money in
     own portfolio like other investments.

161. Better dental insurance.

162. Prescriptions and dental care.

163. Delete the windfall penalty and social security offset against fed
     CSRS employess NOW, NOT LATER. Its criminal.

164. keep it like it is

165. Health insurance

166. Health insurance

167. Health benefits are very expensive for the employee and the dental
     and vision pays very little. Would like to see an early out
     offered.

168. dental

169. Removal of Social Security offset.

170. Cancel Windfall Reduction and Government Pension Offset.

171. dental insurance

172. N/A

173. GPO/WEP removed

174. More options under TSP, more retirement classes

175. insurance

176. don\'t know

177. Life Insurance,improved health insurance components such as Dental
     benefits improved.

178. Dental and Health Insurance

179. Better health insurance.

180. Social Security

181. Retirement incentive packages; and get rid of the gov offset
     pension and windfall reduction stuff.

182. Health Insurance.

183. Larger annuities for long-term employees..

184. Life insurance

185. I would like a larger annuity for the years that i have served

186. Remove penalties for retirement with less than 30 years.

187. TSP

188. Carrying leave over

189. annuity

190. Dental Insurance

191. Annuity.

192. More benefit for unused sick leave upon retirement

193. I would like the Social Security component (Windfall
     element)eliminated. Federal workers should benefit from what they
     worked for irregardless of the time period.

194. No Federal income tax on retirement pension

195. none

196. Health Insurance

197. would like to do part time work for NRCS after I retire

198. Social Security, Long term care insurance, Health insurance.

199. A level premium for life insurance.

200. annuity

201. More assurance that I will be able to afford health, denatal an d
     life insurance when I retire.

202. dental benefits and election of survivor benefits for nonspouse
     when not married

203. Option for non-spouse to recieve annuity when divorced, widowed or
     single.

204. I\'m more concerned about not losing the retirement benefits we
     currently have.

205. health ins.

206. dental/health/eyecare

207. Dental insurance

208. I would participate in thrift savings plan

209. I believe that our retirement system is almost excellent. Since
     I\'m not a financial wizard, I do not know of any improvements to
     be made in one arena without sacrificing something in another
     arena. There\'s not enough money in the world to satisfy everyone.

210. Social Security benefits.

211. Not to be penalized for social security benefits under CSRS.

212. ss

213. None

214. Better dental and vision insurance

215. Dental insurance needs to be improved.

216. annuity

217. NOT SURE

218. It is really pretty good now. Probably better than I deserve.

219. Survival benefits and remove limit on what you can contribute to
     TSP.

220. HEALTH INSURANCE

221. Health and dental benefits

222. The TSP choice for withdrawl should include more options.

223. Dental insurance; dental insurance is awful.

224. The thrift savings plan for CSRS employees should have a matching
     component similar to FERS.

225. Greater spousal annuity would be desirable, if factored in over a
     persons career.

226. Annuity and health insurance

227. Our retirement system is good. It offsets the salary differential
     between private enterprise and government.

228. Windfall elimination for social security.

229. Health benefits

230. Employees should have an option of placing their retirement
     allocation in an interest bearing account. Our retirement is being
     used by someone with no benefits to us. This really stinks.

231. Since I am in the off-set system I really don\'t have any ideas.
     Dental insurance is a problem that needs to be looked at.

232. health benefits

233. Social Security Windfall provision

234. Health Insurance Plan

235. Annual interest accumulation on retirement pension. Because you
     have no control over that money. It is automatically taken from
     your salary. The Government uses that money at \'X\' years at no
     cost to them and you cannot get or use that money until you retire
     and/or die.

236. It\'s too late to do much to enhance mine. CSRS is no longer being
     supported for new hires.

237. Health insurance

238. To have life insurance that does not decrease after retirement

239. Security of the system.

240. Surviers Benifits

241. cheaper health benefits.

242. Put a lock on the plan so that Congress cannot reduce benefits as
     they have with the military retirees.

243. Dental

244. life insurance

245. Ability to get current information each year the last 5 years
     before retirement.

246. Higher Annuity

247. It is good. I can not think of any changes.

248. The CSRS portion is too low.

249. like to know how much i would get if i retired

250. More information given, more retirement seminars that anyone can
     attend, before you are too retirer.

251. more and earlier retirement planning seminars

252. annuity percentage needs to be increased

253. Get a higher percent of my high-3 salary at retirement

254. Annuity

255. Health benefits. Don\'t penalize those of us that use health
     benefits sparingly, because of those that abuse it.

256. health care

257. Annuity

258. Be able to retire before 55 years of age with 30 years.

259. Compared to private sector it is very good. Annuity can be more.

260. don\'t know

261. see 26

262. none

263. Health insurance

264. CSRS should get full social security benefits if they paid into the
     system.

265. Annuity

266. dental

267. Higher percentage annuity of the high 3 average and or go to a high
     2 average at 55 and 30 year of serve with a one percent per/yr
     after. A better life insurance for retiree.

268. TSP

269. None

270. The percentage of annunity you are paid based on your high three
     should be higher.

271. Continue the opportunities for young employees to invest savings
     for their retirement

272. None

273. Remove offset penalty on csrs retirees when drawing social
     security.

274. Spousal retirement benefits.

275. Gov. matching contribution to Thrift Savings for CSRS employees.

276. None at this time.

277. Don\'t need to.

278. A program where an retied employee can work for this agency as a
     self employed employee in an effort to keep 30 years of experienc
     working.

279. Higher participation in Thrift Savings Plan for CSRS employees.

280. State Employee have better obtions.

281. spousal benefits more than 55 %

282. Ending the highly discriminatory WEP. If I am required to pay into
     Social Security (before and after NRCS), why should I be penalized
     just because I chose to work for the federal government.

283. Thrist Savings Plan

284. Health insurance

285. Let individuals invest their money instead of the gov\'t.

286. Increase the amount employee can contribute to TSP. This is
     changing now, but it is a little too late for older employees such
     as myself.

287. Dental/Vision insurance.

288. Long term care.

289. Better health care and life insurance

290. Dental insurance.

291. Thrift Saving Plan account

292. higher government pay of insurance.

293. dental and life insurance

294. Annuity amount and insurance

295. Health/dental

296. Higher annuity

297. Social Security

298. Compared to other\'s in today\'s society, it is very good as it is.

299. na

300. Dental Insurance and Health Insurance

301. Pay and Health

302. Social security penalty for CSRS.

303. Dental

304. Health insurance & Long Term Care

305. all

306. Life insurance should be maintained at pre-retirement rates.

307. spousal benefits; dental ins.; CSRS/SS benefits conflict.

308. Dental Insurance and lenght of service instead lenght of service
     and age.

309. Dental benefits

310. Annuity

311. eliminate wep and gpo

312. More percent of base pay.

313. I would like to be able to contribute more of my salary towards my
     retirement.

314. Mostly insurance-all of it.

315. Dental Ins. and lower cost on health Ins.

316. I do not know. I have been trying to get some help on my retirement
     for six months to a year and have only gotten my name on a list.

317. don\'t know

318. An increase in my monthly annuity check would be great!

319. High 3 changed

320. Long Term Care

321. Social Security Windfall and GPO should be eliminated.

322. Dental and vision coverage in the health benefits

323. Opportunities for transitioning using part time work without
     negative impacts on retirement benefits as a full timer.

324. Spousal retirement benefits and life insurance

325. Leave The last pp prorated.

326. Don\'t know

327. NRCS needs to have a retirement calculation site for employees use;
     should a csrs employee secure social security out side of the
     retirement system they should be allowed to draw the full amount
     without penality

328. Dental Insurance

329. Earlier financial planning

330. Health insurance

331. Nothing I can think of.

332. annuity

333. as a CSRS employee, I am not allowed to draw my spouse\'s social
     security. that should be changed. my spouse paid into it and it
     should be available to me upon spouse\'s death or certain
     percentage at age 62 as it is for others.

334. N/A

335. I paid in a large amount of Social Security before I came to work
     with NRCS and I think I should draw 100% on what I paid in.

336. ANNUITY

337. Annuity

338. NONE

339. don\'t know

340. cutout windfall part on soical securiy

341. Annuity deduction lesses.

342. increase in retirement pay

343. buy-outs

344. dental coverage

345. Many state retirement systems offer 2 percent of the high 3 salary
     for each year of service. The CSRS system should have used this
     formula.

346. Contributions to my thrift savings account - for CSRS employees.

347. Percentage applied to years of service and career composite rating
     so that good employees would receive a retirement bonus.

348. FERS\-- would like to get credit for my sick leave in the
     computation of the FERS portion of my annuity.

349. Dental Insurance

350. NONE

351. When you put in 30 years you ought to be able to retire

352. Penalizing my wife with her not being able to collect 100 percent
     of her social security is stealing from her. Change that rule.

353. Be able to retire after so many years and retain the insurance
     benefits at my own expense. Increase FERS to be more than 1% per
     year of employment.

354. Informing employees completely when hired.

355. annuity

356. long term care insurance

357. Annuity

358. self directed social security account.

359. n/a

360. Health Insurance

361. Health Care

362. annuity,dental

363. age limit

364. Life Insurance

365. Health Insurance

366. I would like to retire and be able to come back to work half time.
     I wouldn\'t need benefits and could probably do it at a lower
     salary\....public school teachers can do that. Many of us would
     like to continue working but the pace the job requires since new
     farm bill programs is killing most people and they just want out to
     get more time for themselves. Also, spouses should have access to
     health insurance even if she had not had it for five years prior
     due to coverage of other plan..think how much they have saved the
     government.

367. none

368. Matching Thrift Percentage and Health Insurance Benefits

369. ok

370. Better understanding of retirement benefits and planning for
     retirement.

371. Better retirement planning information and better information from
     HR when making retirement decisions.

372. All of it. Keep it as an optional plan.

373. TSP

374. Satisfied with CSRS benefits.

375. Donot know

376. Pre-retirement planning sessions tend to be just financial
     consultants trying to sell a product or get new clients. We need a
     good comprehensive pre-retirement course to help us understand the
     ins and out or preparing for retirement.

377. Health Insurance

378. Long Term Care INS

379. Having the ability to come back to work part time for the agency
     after retirment. This would be a good way to help tranfer knowledge
     to new employees

380. Health benefits

381. Minimize health insurance premium increases.

382. Annuity

383. Dental Insurance

384. long term care

385. more training on retirement

386. Annuity percentage, health & dental benefits

387. annuity

388. Good dental and vision benefits included in health insurance.

389. na

390. Pre-tax payment for health benefits and dental and optical
     coverages added. Improved gov\'t proportion payment for health
     benefits

391. Should be compensated for unused sick leave!

392. Health Insurance& Annuity

393. N/A

394. Retain hi-3 yrs for income average in computation of retirement
     amount.

395. satisfied with my projected retirement benefits

396. The cost of the life insurance, better spousal retirement benefits
     and better dental and eye insurance. Spouse should be able to
     collect her social security benefits and spousal benefits. Social
     Security paid by CSRS employee should count towards retirement or
     reimbursed to the employee if they can not collect social security.

397. Dental insurance options, more knowledgeable Human Resources
     personnel, retirement planning resources

398. Allow greater contrinutions into TSP.

399. Better health benefits for dental, eyeglasses, hearing aids\...all
     that stuff geezers need. The medical insurance is OK. Wider options
     for long-term care insurance; private sector is presently cheaper,
     as it is for life insurance. I would like to have some objective
     retirement planning assistance available as well.

400. Easy method to calculate potential payouts so I can better plan my
     retirement date. It is too complicated and HR has to do it for you.

401. Dental insurance and spousal retirement benefits are not
     sustainable. The TSP should not revert to the insurance companies
     if both employee and spouse are deceased but should go to the
     beneficiaries.

402. It is largely mythical that federal retirement is better than what
     can be gotten in private enterprise, at least, when comparing to
     Fortune 500 companies. Dental is at least covered now (most times
     and places), but it still is nothing great.

403. Dental coverage, eye glasses

404. Reasonable rates for insurance coverage for health, life, long
     term, dental, eye, etc.

405. Retirement for Fers employees that do not have the means of
     investing a lot into TSP

406. life insurance

407. I would like to see Health Insurance premiums be tax deffered into
     retirment.

408. health care

409. Dental insurance

410. Better Annuity for spouse

411. I\'m not worried that it needs improvement, I\'m worried that it
     will be diminished instead.

412. Health and dental

413. TSP matching of CSRS contribution

414. Spousal benifits

415. allow social security retirement as well as CSRS

416. Annuity. Many federal retirees have to seek a job after retirement
     just to make it.

417. Health Insurance

418. Annunity and Thrift Saving Plan

419. None

420. Previous Retirement Plan is better for employees

421. Option to invest retirement

422. I do not know enough about it to give a good answer, perhaps the
     personnel folks could coach me . . . ha ha

423. At present, I generally satisfied with my prospective retirement.

424. Annuity

425. Years of Service + Age = Eligibility

426. annuity

427. Pre-retirement training (7-10 yrs. out, but not the OPM course);
     health care.

428. Dental and life insurance

429. don\'t know at this time

430. Three separate parts makes it confusing. Hard to figure bottom line
     figures.

431. Increased dental insurance and higher spouse benefits.

432. Better health/life/dental/vision benefits made available. Naturally
     like to have more money in the annuity but if the benefits were
     better or less costly to the individual, the annuity would take
     care of itself.

433. If I leave before age 60, my benefits are cut starting from age 62.
     I don\'t believe that was explained when they were

434. Information

435. Annuity

436. dental, eye care, annuity

437. Dental and vision

438. I am currently CSRS-Offset and have trouble getting information
     about this.

439. Being able to recieve social security without penalty because it
     was earned.

440. Dental insurance

441. health insurance

442. i would like to be able to buy retirement coverage for time i
     worked as a full time temporary.

443. HEALTH INSURANCE SHOULD BE BID BY ALL COMPANIES AND PICK JUST ONE,
     WHICH WOULD GIVE US AN EXCELLENT PLAN.

444. TSP - To have available a

445. annuity

446. benefits

447. Not sure at this time

448. Health Insurance!!!! and Spousal retirement benefits.

449. Health insurance and retirement pay.

450. the annuity

451. More training.

452. Dental and Eye component of the health plan

453. insurance coverage premiums

454. Long Term Care Insurance & Dental

455. earlier retirement

456. annuity

457. Health Insurance

458. less cost on health care after retirement

459. Government Pension Offset

460. I would get ride of offsets and windfall provisions because they
     discriminate against federal employees.

461. Better health and life insurance coverage

462. a

463. Thrift Saving Plan account.

464. Dental insurance needs to be a part of the health package, not a
     separate package. Most insurances offered through our health system
     have very limited dental insurance.

465. Health insurance benefits

466. Training

467. NEED BETTER VISION & DENTAL BENEFITS!

468. Survivor benefits and more rights to past social security pay in\'s
     along with civil service anuity

469. Dental Benefits, health benefits. Windfall profits provision for
     Social Security as it relates to CSRS retirement is unfair,
     benefits were stolen by congress in my opinion.

470. Allow full benefits for Social Security (I\'m under the CSRS).

471. Lower cost health insurance with better coverage.

472. health insurance

473. don\'t know

474. Life Insurance

475. I am on CSRS. I surely would like to see the Windfall part of CSRS
     removed since I have 34 years in the Military but will have my
     benefits penelized because I am in the CSRS.

476. I don\'t know at this point

477. health insurance

478. I have not looked into what options I have and/or dollar value.

479. Lower health care cost

480. Health insurance

481. Health Insurance options

482. I don\'t believe that the employee contribution should be taxable.
     And the penalty for Social security should be so sever.

483. Annuity

484. Increased annuity.

485. Health Insurance

486. Provide some percentage of match for TSP inputs from folks on Civil
     Service Retirement.

487. Dental

488. They all should be at least average or better.

489. Retirement anuity calculations, better yet, (From what I hear) same
     as congress receives after a 4 year term!

490. Windfall clause with CSRS and Social Security

491. Health insurance

492. CSRS was a good retirement system.

493. dental insurance

494. Elimination of penality on Social Security for CSRS retirees. Add
     eligibilty for FSA accounts and no income tax on Health insurance
     premiums, as for employees.

495. I would like to see better spousal benefits re/ annunity. Would
     also like to be able to continue the fsa/feds insurance program for
     tax purposes.

496. Annuity.

497. Lesser amount paid for Survivor Annuity

498. Spousal benefits after employees death.

499. Remove the social security penalties for my spouse.

500. Continue life insurance at reduced rate until death.

501. Dental

502. Life Insurance

503. Spousal benefits

504. Spousal benefits and better explanation of benefits

505. More retirement prior to retiring.

506. I could say vision and dental insurance need to be improved, but
     that requires additional pay to be taken out of the paycheck and I
     may not want to do that.

507. health care.

508. It is a good system. Education of new/existing employees on how to
     take maximum advantage of the benefits would be helpful.

509. None

510. Health insurance

511. Would have liked to have seen agency matching contributions under
     the Thrift Savings Plan for Civil Service employees.

512. Dental Insurance; Opportunity for part time consulting work with
     the agency after retirement.

513. Employees need access to financial guidance when they begin their
     career.

514. It has just been improved - to late for me though. Removing the

515. dental coverage

516. health insurcance

517. money or health insurance

518. The actual FERS annuity will be less than my social security and
     TSP could have been better if I could have lived on a GS6 salary
     with house payments and two kids and been able to put closer to the
     maximum into TSP sooner.

519. Higher percent of the \$ to be paid to spouse if primary wage
     earner is not around anymore.

520. none

521. government insurance payment after retirement. Also better
     prescription benefits.

522. Pay more of the health insurance

523. pre retirement counciling

524. reliability. Congress seems to be picking at the benefits for
     budgetary reasons.

525. Dental Insurance

526. Long term care

527. Long term care insurance more affordable. Better Dental coverage.

528. none

529. I have been with NRCS for over 17 years and have not attendeed a
     retirement workshop.None has been givin in my state for over 8
     years.I have no idea how prepared for retirement I am.

530. Spousal retirement benifits, dental insurance and better life
     insuranc options after retirement.

531. Dental coverage similar to health coverage.

532. FERS

533. I like it as is.

534. unless your ready to retire, you get no information on what
     benefits are or will be\...get with the program and get human
     resources busy to educate your enployees\...our future depends on
     it..

535. The ability to move your money in and out of TSP when ever you
     want.

536. I would like to see a broader range of investment options in TSP

537. Improve dental and optometric benefits.

538. Annuity increased or made tax free.

539. Dental

540. I\'m lucky at his age CSRS is the best in the country

541. I don\'t know

542. TSP

543. Dental insurance

544. Dental

545. We all would like to have 100% salary, but overall I think our
     retirement (CSRS) is reasonable.

546. Better provision for health and dental.

547. Retirement seminars early in ones career.

548. Thrift Savings plan

549. Health Insurance

550. Matching dolllars for CSRS employees

551. Health Insurance

552. The Thrift Savings Plan does not allow me to withdraw any funds
     until I turn 62. If I retire at 55 under CSRS, I have to wait 7
     years before I can draw on the TSP. That seems a bit long to have
     to wait.

553. Higher annuity. Health insurance plans with fewer administrative
     barriers. My plan throws administrative barriers at me to restrict
     my access to care and medications as a method to reduce their
     costs.

554. Information to employees? Do I even have dental insurance?

555. Its probably better than most as it is

556. Removal of the Social Security offset my spouse will suffer. The
     fact that I\'m a federal employee should have no impact on her
     benefits.

557. less health - more life insurance

558. Improvement in the health care area

559. long term care

560. Pay for health insurance with pre-tax dollars

561. Dental insurance!!!!!!!!!!!!!!!!!!

562. Long Term Care Insurance

563. Eliminate the offset from social security. If we worked out side
     our CSRS job we shoul not be penalized.

564. none in particular

565. greater annuity

566. Cheaper health insurance. Cheaper life insurance after age 60 yrs.
     Better mgmt. of TSP. Work to strengthen and secure social security
     as it is, and not make a mutual fund program out of it as the
     President of the U.S. wants now.

567. Not sure

568. Nothing at this time.

569. Annuity and Social Security

570. ability to increase the annuity.

571. None

572. Don\'t know.

573. replace FERS with the original Civil Service

574. do not know

575. Higher annuity payments.

576. Federal Government Health benefits cost to continue into retirement
     at no cost to employee. Why should I be taxed on my retirement when
     I have already been taxed once ?

577. Annuity

578. annuity

579. I do not know. I am only close to retirement and do not know if its
     good or bad or what I\'d change but I\'m hoping its all good. one
     worry I have is the government takeing away some benefits due to
     whatever and violating our agreements

580. Life insurance and long term care.

581. Drawing social security benefits earned along with civil service
     retirement

582. Dental Insurance

583. Health insurance

584. Bonus annunities for performing an an above average level of
     achievement for the term of the employment as well as a higher
     percentage of salary computed for retirement.

585. Social Security

586. Spousal benefits

587. long term care

588. I would like a bigger check.

589. Not sure

590. More dental Insurance

591. annuity, dental insurance.

592. being able to buy back lost years. counting sick time towards
     retirement.

593. Too late now.

594. Buy out\'s needed

595. I\'d like to see health benefit plans specifically designed to plug
     the gap for those old enough for medicare. That is essentially how
     present plans function for those employees, but we will over-pay
     for the premiums because the plan is responsible for only part of
     the medical costs.

596. Don\'t know

597. Phase into retirement with flexible work plan.

598. Ability to contribute more to trift saving when under CSRS. Better
     benefits for spouses.

599. cost of living allowances and insurance befifits

600. Get rid of the windfall elimination problems so we can retire and
     keep adding to retirement by working part time for private industry
     build on social security that will be worth something instead of
     paying into a system we will not get much return from.

601. no comment

602. Better dental benefits

603. I think that the Federal Govt. should also give CSRS employees
     matching TSP contributions like FERS

604. I would like the annuity to be a higher per cent of my average high
     3 years of service.

605. Eliminate the high 3 requirement\...use the last year.

606. Annuity

607. Increased Annunity

608. social secuirty

609. Decrease health insurance costs

610. Dental

611. Dental insurance

612. Annuity

613. Allow sick leave to count for years of service before retireing
     under CSR system.

614. Annuity increased.

615. No comment.

616. Dental insurance

617. I do not know quite yet; as I have not visited my NRCS State office
     to get my retirement papers setup.

618. long term care insurance

619. Pay more of the health insurance

620. Lower min.retirement age.

621. No net loss of principle when the stock market drops.

622. Annuity; I am in Ferrs and use very little sick leave and feel I
     should be rewarded in some form for not using it and being on the
     job.

623. Do not know at this point or see question 26

624. I am sorry I\'m not sure what needs improvement, possibly health
     benefits improved or a least not eroded.

625. hiher annuity and better dental coverage

626. dental insurance and TSP (at least a little match for csrs
     employees.

627. Dental and Vision

628. More of a guarantee that my retirement will actually exist. I feel
     like I entered into a long term contract with CSRS but have little
     guarantee CSRS will be preserved when I need it the most. So a
     guarantee that it is going to be there.

629. Annuity

630. Larger monthly check

631. Full retirement credit for permanent part-time service years. At
     least give full credit for retirement OR Social Security benefits.
     Do not discount both. \* \* \* I will get \$10,000/year retirement
     after 30 years of service and reduced Social Security as well!

632. None

633. none

634. Repeal of the WEP and GPO.

635. none

636. Dental Insurance

637. Don\'t know.

638. Health insurance, Dental

639. Include dental and vision care in most health plan options

640. hr people who can explain it

641. Long term care insurance.

642. dental insurance?

643. Annuity.

644. Don\'t know!

645. Better dental coverage and better long term care insurance.

646. Just follow through on the committment to CSRS retirees.

647. Size of COLA\'s provided after retirement.

648. It\'s OK

649. I would like assurance that the government will not be eliminating
     its retirement system or scaling it back, as so many of the private
     industries are doing.

650. Either choosing FERS or CSRS, but not having both. Although in
     future years most employees will be CSRS.

651. None, the CSRS is an excellent retirement system, esp if you can
     work 35-40 years.

652. It is a good system the way it is\...more common folks should have
     access to such a system and congress persons/politicians should
     have less.

653. I think we have a excellent reirement system in place. Part time
     employment for retirees may be an option where there is a high
     workload and if there are retirees available who can do the job.

654. spousal benefits

655. Under FERS: Getting paid for the accumulated sick leave

656. health insurance

657. Dental

658. Annuity

659. Health insurance that covered dental and vision coverage.

660. I would like for it to be fixed to where an ex-spouse could not be
     entitled to receive any of it if they chose to leave the marriage
     before the employee retires - or at least changed to where the
     employee could buy their spouse out of the plan.

661. Life Insurance

662. Dental and long term Care

663. Spousal retirement benefits, life insurance

664. life insurance and long term care

665. Spouse benefits

666. Life Insurance

667. Carrying life insurance into retirement.

668. Annuity

669. Long term care insurance.

670. Dental

671. Credit for your sick leave and basic annuity increased.

672. Just to be reassured that it will be there when I retire. I would
     also consider working part time for the agency during retirement.

673. none

674. Dental insurance

675. Spousal retirement benefits.

676. I don\'t want anything improved - translated: I don\'t want my
     retirement system screwed up!

677. Leave the retirement system alone (hands off!!!!)

678. Dental coverage is poor. And many health concerns are made worse
     because of poor dental care.

679. Health insurance price and benefits need to stabalize and quit
     costing more for less benefits.

680. Health/Dental insurance

681. TSP

682. Pay health insurance with pre-tax dollars.

683. fers sick leave should be the same as csrs.

684. All

685. Dental insurance

686. Health Insurance

687. Dental and Optical insurance

688. annuity

689. Dental and visual insurance.

690. Don\'t know. I\'m not retiring, I\'m resigning.

691. Don\'t know

692. Health and Dental coverage without a great increase in cost

693. Early out!\...seriously, I think the retirement package for CRSC is
     terrific and I am glad I choose to stay with the package offered
     when I began 25 years ago!

694. eligibility requirements - 30 years and out, no age requirement, no
     penalties for being under 55.

695. I would like my sick leave to count toward some thing.

696. Health Benefits

697. I think its fine.

698. Dental

699. More information on preparing for retirement.

700. None

701. The amount that is taken out for the spouse to have retirement.

702. social security

703. Higher Annuity and health insurance.

704. Health insurance

705. don\'t know

706. Since our employee base is shrinking, maybe we could have a
     provision whereby retired people could come back and work part-time
     in field offices.

707. None at this time.

708. Higher pay to show more salary for high 3 years.

709. Annuity

710. Dental insurance, long term care

711. Dental without being required to take out a special dental plan for
     major care.

712. Health insurance.

713. Create a better understanding of benefits.

714. Ability to receive Social Security benefits without reductions

715. annuity and spousal retirement benefits

716. Anuity

717. My CSRS has been changed several times during my career. What I
     thought I had when I started is not vary recognizable not. Cutting
     benefits is the norm now.

718. Spousal retirement benefits.

719. Don\'t know haven\'t retired

720. Retirement planning training

721. Better dental insurance

722. no comment

723. Improvement or increase in dental benefits.

724. The agency should contribute to TSP funds, along with CSRS.

725. More training in investing relating to FERS

726. Don\'t know.

727. Annuity rules

728. Better dental/vision

729. More Money

730. Matching funds to Thrift Savings for CSRS employees

731. Annuity - cheaper health insurance and better dental insurance.

732. Health benefits.

733. annuity

734. Improve the situation where CSRS employee is effected by spouses
     FERS retirement. One spouse can receive benefits from the other but
     not the other way around.

735. Health insurance

736. The annuity

737. Higer annuties.

738. None.

739. Better explaination at beginning of career. Benefit Counciling
     after retirement.

740. As a FERS employee have the opportunity to buy back time that was
     sold previously.

741. Dental & Health insurance

742. Dental insurance component of health insurance

743. social security

744. The annuity. I\'d ritire today if I could but with 3 teen agers,
     you can\'t feasibily do it.

745. annunity

746. Maintaining the strength and soundness of our annuity.

747. The TSA is changing finally for CSRS employees, so that is becoming
     a moot issue. We\'ve been shortchanged for years on our ability to
     contribute, but c\'est la vie. Long term care insurance is more
     affordable and flexible in the private sector, as is life
     insurance, once a certain age is attained. That is probably not
     changeable, given the nature of the group insurance. Better,
     affordable preventive dental coverage would be highly desirable.

748. Mentoring those who follow.

749. Windfall taxes on my social security component. There is little
     incentive to work outside the federal government.

750. Dental Insurance

751. annuity

752. I\'d like to see the percent raised (of the high 3).This lags
     behind state and private sector.

753. FERS portion

754. dental coverage

755. Opportunity to still participate (contribute) to the Thrift Savings
     Plan account.

756. No comment

757. Continue to improve the 401 efforts like the TSP

758. More information on retirement planning earlier in an employees
     career.

759. Survivor benefits

760. I would like to be able to have the government match my
     contribution to the TSP.

761. Retain more life insurance over long term

762. Spousal retirement benefits

763. social security benefits earned outside federal service is minimal.

764. Move retirement age to same as social security

765. medical/dental

766. Increase the Annuity

767. pension increased, it amounts to almost nothing unless you stay 30
     years or more\...then it\'s still a disappointment

768. Raise the annuity.

769. I feel all could use some improvement

770. Health Insurance

771. Reduced Health and Dental insurance costs.

772. Remove restrictions.

773. Health Ins, Life Ins.

774. Better health insurance, especially dental and vision.

775. Dental insurance and eye/vision plan.

776. Get your retirement pay every 2 weeks instead of monthyl.

777. Sick Leave Policy- Currently it is a

778. Better annuity payment.

779. more money of course!

780. The spousal retirement benefit should be changed so that the
     retiree could select a reduced annuity to allow for the same level
     of retirement compensation in the event of his death for his
     surviving spouse.

781. TSP, more options for conversion after retirement.

782. not sure how they figure it all.

783. Have a high percentage of the Health insurance pay for and some
     better saving plans.

784. To change the law on reduction of benifits when you are CSRS but
     also to receive Social Security.

785. spousal benefits

786. Don\'t know

787. Health Ins.

788. I haven\'t looked into that

789. None

790. Carry insurance into retirement with less cost.

791. Annuity -higher the pay the lower the percentage of high three a
     retiree is qualified to receive. This would provide a longer term
     viability of the retirement fund.

792. none

793. Don\'t understand the retirement system

794. Retirement should be something that is planned for not finding ut
     what the balances are when you get close to retirement

795. None

796. bring back the lump sum.

797. More information on Long term care insurance and the ability to be
     part of our retirement package.

798. I am not there yet but if the retirement dental is like the dental
     we have as current employees it needs to be changed drastically.

799. Good as is.

800. Health Insurance availability of flex savings accounts

801. annuity

802. Be able to draw social security benefits under my spouse

803. eliminate the offset and windfall provision laws.

804. Health care benefits for dental and eyes need to be comproble to
     private sector-right now, they stink

805. Better dental and vision care.

806. Nothing

807. Life insurance after retirement. Gov contributions to TSP when
     CSRS.

808. Health care benefits have declined signficantly since beginning
     employment. We no pay more and get less

809. Health Insurance.

810. Related non federal (state agency) time be counted (assuming you
     would have to pay to get credit).

811. Social Security reduction of spousal benefits eliminated

812. Life insurance and Health insurance

813. Having skilled councilors in every state that REALLY KNOW the
     program and will council employees at all stages of their careers.
     Currently the HR departments are woefully understaffed and unable
     to effectively carry out their role in providing councilling and
     figuring retirement info.I have sent in my retirement questions
     every 3 months for the last year and have not heard a peep!

814. Not sure

815. return back to csrs.

816. insurance

817. We were limited in what we could put in our TSP. That has changed
     for the better. It would be nice if the CSRS employees would have
     been receiving at least some (1 - 2%) match from our employer. It
     would be nice if we had better dental care benefits.

818. Health insurance coverage with a more robust dental coverage
     option.

819. Dental insurace

820. Dental insurance

821. Health and Life Insurance

822. I am CSRS now. For those who are not CSRS, their retirement system
     should be uncoupled from the Social Security Sytem and
     reestablished independent from SS.

823. I have 32 years of service but am not old enough to retire (55).
     Retirement based on length of service would be a good option.

824. More TSP payout options

825. Life Insurance

826. Annunity

827. DENTAL INSURANCE

828. Dental and medical insurance

829. NA

830. It\'s a benefit we can carry health insurance into retirement.
     However, the cost is not as wonderful as people think it is. Plus,
     the government is WAY behind with dental/vision benefits.

831. CSRS is excellent. Will not be as good as any other new plan in the
     future. Thankful for what we will get.

832. Not taxing FEHBP premiums for retirees

833. dsfgs

834. Dental, Eye glasses, Contacts

835. Don\'t know

836. The dental insurance coverage and being able to take Social
     Security benefits that you have earned without a reduction because
     of CSRS.

837. Don\'t change it mid stream. I heard rumors of changing high 3 to
     high 5. That would be bad.

838. I have prior social security which I have been told I will not
     receive. Since I earned it, I believe I should receive it in
     addition to my CSRS pension.

839. Health insurance

840. Get some info out to employees so we know what needs to be done for
     retirement and what we can expect. We need a retirement officer
     that knows something.

841. requirement to pay former spouse 1/2 pension for her/his life, with
     COLA. Should stop when remarry, should not requrie pay increases ie
     should only for for grade at time of divorse.

842. Not sure at this time

843. stronger dental portion of health insurance. The FED GOVT is the
     largest work force in the US with the average health and below
     average dental insurance. Apparently bigger is not better when it
     comes to leveraging a large work force.

844. Health Insurance

845. OBTAINING INFORMATION!!!!

846. The agency should have knowledgable staff or at least provide
     retirement information to help answer questions. At this time, the
     best publication I have is a retirement guide I purchased from
     Fedweek. I did attend, at agency expense, a retirement seminar
     hosted by (actually, I\'m not sure who hosted the one-day seminar).

847. It is a good system

848. its good

849. COLA

850. Health Care

851. Long Term care and dental.

852. Health insurance

853. dental and vision

854. Dental Insurance.

855. How do I answer this? I\'m not retired.

856. Health insurance

857. none

858. Dental and Long term care.

859. Don\'t know.

860. none

861. Health and dental plans.

862. Would prefer not to loose \$100.00 of my pension for every \$300.00
     I will earn from Social Security that I was eligible for prior to
     becoming a government employee.

863. Have not really thought about it yet

864. None

865. Increase the amount of contributions the employee can make

866. Government benefit

867. Elimintate the social security windfall provision.

868. Don\'t know

869. Dental insurance

870. dental plan, spousal benefits, long-term care

871. Dental insurance

872. Dental and Annuity

873. Assurance that it will be there when the time comes for me to
     retire. I would like to say I trust the government when it comes to
     my retierement but I don\'t.

874. I think the dental component of our health insurance is not very
     good. That could be improved. Also adding vision coverage to
     standard health would be good.

875. health insurance and life insurance

876. Don\'t know

877. My benefits come from NARD.

878. Improve the dential benefits Coverage for eye care in the health
     benefits

879. Don\'t know at this time.

880. I an satisfied with the CERS retirement system.

881. Matching funds in the Thrift Savings Plan for Civil Service
     Retirement System.

882. My knowledge of the retirement program is based on my annual
     benefits statement. My answer to the question,

883. 1/2 pay for sick leave and time toward retirement. (Currently it
     comes across as a penalty to stay well.)

884. I am not sure.

885. None

886. Windfall Elimination eliminated (Reduced Social Security) I paid
     in, why should it be reduced

887. All of it, how does one live on 1/2 pay????

888. The percent of annuity at retirement.

889. Dental Insurance

890. Improve the dental benefits.

891. Federal

892. Education of what will be available to us when we retire at a
     younger age. Give us some education about the system when we are
     young ao that we can plan for retirement

893. Annuity.

894. Spousal survivor benefits.

895. Spousal retirement benefits should be the same or only slightly
     reduced from the annuitants

896. Access to figures to tell me what my total retirement benifit will
     be.

897. Have no complaints!

898. Not really sure

899. None

900. increase annuity payment amount

901. None

902. better understanding of retirement options

903. None

904. DENTAL

905. Retired federal employees should be able to work part-time (up to
     25 or 30 percent) for the government without any annuity reduction.
     This would allow retirees to suppliment there annuity and also
     benefit the governemt by retaining highly skilled employees on the
     work force. This would slow down the

906. Repeal both of the Social Security Offsets, the Government Pension
     Offset and the Windfall Elimination Provision, that unfairly
     penalize federal retirees. 2) Allow retirees to pay health care
     premiums with pre-tax dollars.

907. Life Insurance

908. I\'m satisfied.

909. Life Insurance and Dental Coverage

910. Federal employees need better dental and eye care insurance.

911. I have found it impossible to work with the Thrift Retirement Board
     on my deceased husbands direct rollover. No one can help me.

912. Don\'t know

913. increase in the 1% per yr

914. Get rid of the windfall offset rule for those in CRES and who have
     a SS retirement also

915. don\'t know

916. More pay for people after 35 years of employment.

917. Elimination of the provision that reduces the amount of earned
     social security a retire can get.

918. Health Insurance

919. ANNUITIES

920. Financial Planning

921. lower age better return on TSp funds

922. increased annuity

923. More health insurance cost-share/percentage, higher pension
     paynmebt.

924. Age and Time Requirements. 30 years is enough

925. I want similar benefit rates the postal service gets;

926. Annuity

927. Thrift savings

928. long term

929. Dental, hearing and vision insurance. Also the area of Social
     Security when eligible to draw.

930. Health insurance benefits

931. Dental insurence

932. not sure

933. Spousal retirement benefits.

934. Unknown

935. Spouse benefit after death.

936. I would like to see the Health Care premium covered by pretax funds
     in retirement like is done now while in work status.

937. Increased income with 100% spouse protection. Deduction of
     retirement income to protect spouse who has been with you over the
     long hall I believe is not very good. Reduction in pay to protect
     spouse\'s quality of living should be less severe.

938. Spousal retirement bebefits

939. Ability to participate in Social Security without a windfall
     provision.

940. Increase insurance packages or reduce costs.

941. Don\'t know

942. Life insurance selections.

943. It looks pretty good.

944. would have to be more informed

945. dental and vision coverage.

946. Our agency has done a terrible job in the past in preparing their
     employees for retirement. Meaningful retirement training has been
     non-existant

947. Health and Dental Insurance

948. fers

949. Health Insurance, include better dental, control escalating cost,
     especially into retirement.

950. long term care

951. Some government match of the TSP for CSRS employees.

952. Dental and eyecare

953. Not such a broad split of annuity between self or self with spouse.

954. Receive same benefits as Congress or visa versa!

955. CS Offset Retirement System\--Social Security penalty percentages
     with each age 62 and after.

956. Lessen the gap or difference in monthly annuity between
     employee-only annuity and employee + spousal benefit (if retired
     employee dies after retirement before spouse).

957. EARLY retirement counseling!

958. health and dental

959. On going training / counciling with employees throughout their
     careers.

960. Well i dont like the idea of uping the the age needed to recieve
     benefits such at the social security system i think its now up to
     67 to recieve full benefits when that age used to be sooner. I feel
     that it should be grandfather claused to what is was when you were
     hired. The conditions that were presented to me at time of hiring
     shoulded be upheld.

961. Social Security offset, annunity, and health insurance.

962. Improve health insurance for vision and dental. Retirement training
     for all early in career instead of one year before retirement even
     though i ask for it several times early on.

963. The opportunity to capilize on unused sick leave for retirement.
     Make FERS like CSRS and allow retirement credit for unused sick
     leave.

964. ability to put more in TSP

965. Pay more for health care.

966. Adding assistance with long term care insurance

967. Dental Insurance

968. CSRS is a great system. It\'s too bad that all employees can\'t get
     it.

969. None

970. None

971. Dental and eyes

972. The agency should consider part time work for retiring employees.

973. annuity benefits

974. health insurance, increase in TSP alternatives ie. fund groups

975. As, a note, have retirement training at 15 years before,

976. Early outs offered to field level employees, not just upper
     mgmt/pay scale folks.

977. over all it is a good package.

978. CSRS is fine. FERS should get credit for sick leave. People are
     just using it, not saving for potential needs in later part of
     their career.

979. Being able to leave sooner with medical coverage.

980. CSRS- is a great system. I don\'t think the new system is nearly as
     good.

981. Health and Dental insurance

982. More training in TSP.

983. ok

984. None

985. I would like to be able to put sick leave hours towards an earlier
     retirement option. I would like to see a better health insurance
     package for retirees and there spouses.

986. Dental insurance

987. I would like for the agency to give retirment training early on the
     first few years when you are hired.Need time to plan for when you
     are getting out.

988. Dental and vision coverage

989. I\'m under FERS and I would like to see sick leave hours that
     accumalate over the years be of some credit. It would encourage
     people to build their sick leave hours.

990. spousal survivor annuity

991. A better retirement for older employees that have joined the
     workforce later in their careers

992. Minimum service length changed to 20 years.

993. Life insurance is terrible. I dropped out of the system upon
     reaching 50 years of age as the premiums became outrageous.

994. need move information readily available to make important
     retirement goals, plans and decisions earlier in career and
     explanation of options within 3-5 years of retirement

995. Dental insurance

996. spousal benefits and age requirement in Civil Service

997. Nothing.

998. After age 55 life insurance is better is purchased from the private
     sector rather than through the federal government.

999. I have worked in the private sector, and have contributed to Social
     Security for many years. After working for the USDA for 30 more
     years, I was told I will only receive 1/2 of my Social security
     benefits. I don\'t know why because I have donated to Socially
     Security like everyone else, so it should not be reduced at all.

1000. Health coverage.

1001. Do not know. The previous HR person was always to busy to sit down
      with me to review my retirement package.

1002. percentage of high three increased

1003. Health and Spousal Benefits

1004. More pay after retirment and shorter time in

1005. Annunity

1006. No penalty for leaving at 55 years if you have over 25 years in

1007. If a retiree is both elegible for a CSRS retirement and Social
      Security, his Social Security should not be reduced because of his
      federal retirment.

1008. Higher matching funds in the savings account, higher general
      benefits like paying for health insurance. Insurance takes a
      massive amount of the retirement pay, your retirement is about 1/2
      of what you make but the insurance stays the same.

1009. Higher annuity. Some fellow employees say the disability
      retirement is bad as what you get from social security deducts
      from your retirement, they should add, thaat is why people that
      are close retire the first minute with regualr retirement and then
      social security adds to your pay.

1010. Annuity and Health/Dental

1011. Health insurance and \$\$ payed out

1012. Annuity

1013. Annuity

1014. Insurance

1015. Health insurance

1016. insurance assistance

1017. no suggestions for change

1018. Don\'t know.

1019. I had worked over 10 years in the social security system and I get
      penalized the same as a GS-15 with a good retirement.Even though
      it is 25% of my working career.

1020. Penalty to CSRS retirees to collect on spouses social security
      benefits. Increased long term care options. A deferred
      compensation option. Good dental and vision plan.

1021. Health care costs

1022. Good medical coverage including dental insurance.

1023. Dental and Vision Insurance could be better.

1024. Health insurance

1025. None

1026. Health Insurance

1027. Life & Health Insurance

1028. Social Security not being subgect to the windfall policy for those
      who have over 25 credits of paying into it.

1029. Health Insurance

1030. get rid of the windfall elimination provision; Make it so
      employees can work a part time or seasonal schedule in retirement
      or in lieu of retirement, without it hurting their

1031. Annuity

1032. I would like more choices for the TSP investmet (more ETF\'s).

1033. It has not been my custom to try to change everything to the way I
      want it. 29 years ago when I was hired, I was happy to have a job.
      I still am. I realize things may have to change to continue
      attracting quality employees, but don\'t feel I\'m particularly
      qualified to say how they should change.

1034. Spousal benefits and dental insurance.

1035. Better more affordable dental insurance for employees & retirees
      would be good.

1036. The reduction in my Social Security benefits because I am in CSRS
      and the lousy dental coverage.

1037. Eye and dental coverage.

1038. Health insurance coverage contracted through OPM should not be
      exempt from medical coverage requirements of the specific state
      that the federal employee lives in.

1039. dental long term care insurance

1040. Health insurance with vision and dental

1041. don\'t know other than having cost of living increases more
      reflective of the real thing

1042. Don\'t know exactly. I figure that us Feds have a pretty decent
      retirement system\...at least that\'s the way I feel about CSRS.

1043. Training

1044. Spousal retirement benefit and social security. People who paid
      into social security should not be denied this benefit just
      because they are eligible for a federal retirement annuity.

1045. More flexibility for those employees wanting \'early out\'. Offer
      periodic \'early out\' options. Result will be to open up more
      promotion opportunities, and allow employees to pursue other
      career and personal interests.

1046. Health benefits

1047. Better heatlth benefits for the premiums employees pay

1048. More gov\'t contribution.

1049. Dental and Vision Insurance

1050. none

1051. No penalty for CSRS and social security earnings.

1052. Health Benefits

1053. The various & confusing interaction of Social Security and CSRS
      need to be changed - I feel they unduly penalize the Federal
      worker and are too hard to quantify to see the actual impact.

1054. no opinion

1055. Credit for sick leave

1056. Spousal retirement benefits, and long term care insurance.

1057. I am an off set and would like to get the full S.S I have paid in
      to.

1058. Being able to get your high three in the resource disipline
      instead of going to management

1059. Full retirement at 30 years, reguardless of age.

1060. Health Benefits

1061. Health Insurance

1062. Buy out for CSRS employees

1063. none

1064. none

1065. Thrift Savings plan \-- because I am CSRS, I am limited on how
      much I can put in. I would like the amount increased.

1066. Let me draw full social secutiry.

1067. Health insurance-make it cheaper and have decent options for
      people with age/health issues

1068. Thrift savings account.

1069. Annuity

1070. Full use of Social Security

1071. Better Dental Insurance coverage

1072. CSRS is OK, Don\'t know FERS well.

1073. health insurance (including dental)

1074. better health/dental/long term care benifits

1075. More money!

1076. Dental insurance, Social Security offset

1077. Medical care

1078. Annuity

1079. social security

1080. Dental and life insurance

1081. Percentage of annual pay upon retirement is very low compated to
      county and state civil service retirement packages (ours: 55%;
      theirs: 90% or more)

1082. I am in CSRS.

1083. Survivor benefits

1084. The ability to pay back retirement through payroll deduction.

1085. Dental coverage at a reasonable price, for reasonable coverage.

1086. dental & vision insurance; better premium control on health
      insurance; increased TSP flexibility once retired

1087. Health insurance

1088. More health care protection for less cost

1089. Health Insurance

1090. Dental Insurance

1091. Better access to the Social Security benefits that I earned prior
      to being hired; pay for sick leave not used to calculate length of
      service.

1092. cheaper payments for spouse benefits

1093. Eliminate penalty for VERA if below age is below 55.

1094. I would like training on what I do have and how the system works
      and what my expectations should be.

1095. Better annuitys.

1096. Life insurance premium reduction

1097. Health Insurance

1098. Higher annuity

1099. Some credit for unused sick leave for FERS employees. Pre-tax
      health benefit deductions.

1100. better dental and health insurance plus include vision insurance.

1101. Provide an increased incentive for people to work beyond when they
      are eligible to retire.

1102. Annuity, I would like to either get a promotion or QSI prior to
      retiring.

1103. Higher annuity amount.

1104. Health care

1105. Annuity

1106. A stronger health insurance package to include eye and dental
      care.

1107. More active role in helping new employees understand it and
      continued training throughout the career.

1108. Retire earlier.

1109. Retire earlier.

1110. be able to be in the MUCH Better old system, the new system FERS
      is not nearly as good

1111. Reconize sick leave of FERS - Time or pay

1112. Health Insurance

1113. I don\'t know nearly enough about the retirement system. My IDP
      will contain a retirement seminar as my only request. In January
      2007 I\'ll be sixty years old with thirty years\' seniority, and
      then I don\'t know how long I\'ll stay. Both my kids are in
      college for another couple of years. But I almost died from
      bleeding ulcers last March. It really focuses the mind, and this
      agency as currently constituted, staffed, and MANAGED is not worth
      risking that again! Let the politically-correct enviro-dupes have
      the place!

1114. I wish matching contributions were available to employees under
      CSRS. I would have used it.

1115. none apply

1116. Annuity

1117. I don\'t know of one.

1118. NONE

1119. Annuity, many employees cannot afford to retire.

1120. Increase annuity and improve health insurance.

1121. Retirement training at the beginning of an employees career.

1122. health, dental

1123. More gov\'t share of the cost of insurance.

1124. Annuity

1125. health and dental insurance

1126. The Civil Service Retirment system, coupled with the Thrift
      Savings Plan is fine as it now stands. I have no complaints with
      the retirement system I am now under. Just don\'t change it ie,
      high 5 instead of high 3 salaried years to figure annuity.

1127. Don\'t know

1128. annuity, dental ins, hearing ins and eye glass ins

1129. I would like the benefit option clearly explained to me prior to
      retirement.

1130. Health Insurance

1131. More \$

1132. Raise minimum full-career retirement to 60% of high three.

1133. would like to be able to qualify for Social Security

1134. Retirement planning

1135. long term care insurance

1136. Annuity

1137. Health, Ithink

1138. no comment

1139. Dental Insurance

1140. don\'t know yet.

1141. Spousal benefits and social security.

1142. Dont know.

1143. Dental

1144. Dential insurance

1145. Dental and Eye Coverage

1146. Dental Insur.

1147. annuity

1148. Dental insurance

1149. Reduction in taxes and insurance premiums.

1150. Insurance

1151. I have very little exposure to the retirement system.

1152. don\'t know

1153. Annuity should be strengthened with less dependence on SS.

1154. Annuity

1155. Annuity

1156. Health insurance costs

1157. Thrift Savings

1158. Not having to pay taxes on our income once the initial savings has
      been used. Civil service funds should be allowed to grow as we
      stay in govt service so that we have a larger account at
      retirement to draw from. This would help offset the first
      statement.

1159. The retirement system is adequate.

1160. Health Insurance, Dental Insurance

1161. annuity

1162. Long term care insurance

1163. More flexibility in health care and long term care.

1164. Don\'t know.

1165. Dental insurance

1166. Dental and Health insurance and spousal retirement benefits.

1167. more \$

1168. dental and health care

1169. Medical/Dental coverage for less cost.

1170. Don\'t know.

1171. Less reduction when spouse benefit option selected

1172. REtirement pay

1173. Matching contributions for CSRS like the FERS system.

1174. The yearly percentage you receive for retirement (2% or better
      from the 1st day of employment). Make life insurance more
      affordable in retirement. FERS employees should be required to put
      a minimum percent into the TSP.

1175. If I give 34 years of my life to a profession and expect better
      Federal retirement than a teacher under state retirement.

1176. social security

1177. earlier age to retire-I would gladly accept an early out and
      buyout right now.

1178. It\'s OK

1179. Unknown

1180. Long Term Care elegibility.

1181. Better health(dental) benefits

1182. Same federal tax break for what the employee pays for Health
      insurance compared to the system now in affect for working
      employees. Also cost of living increases should come quaterly and
      not just once a year. You will always be behind.

1183. social security and csrs compatibility

1184. Insurance.

1185. Health care to extend for a longer time after retirement.

1186. Rates for health insurance

1187. Need Web Base trainng on benifits and retirement.

1188. Health insurance premiums for retirees be pre-tax.

1189. none

1190. Improve on life insurance benefits. A retiree can not afford to
      pay the insurance. Retirees should have their health insurance
      under a cafeteria plan the same as working individuals.

1191. Amount of pay retained after retirement

1192. The dental insurance.

1193. I would like to receive all of my social security benefits
      previously earned in addition to my federal retirement benefits.
      No reduction

1194. TSP

1195. Greater continuation of components after retiring

1196. Annuity and social security payments not to br reduced by 40% if
      you have more than 40 quarters.

1197. none

1198. None

1199. dental care

1200. Thrift Savings Plan.

1201. Long term care insurance

1202. Maintain the high quality of health insurance with prescription
      coverage. I would like to see the life insurance remain at higher
      levels after retirement.

1203. Eligibility for early retirement should extend to field level
      rather than only to upper level management.

1204. Annuity level

1205. Health Insurance

1206. The high 5 calculation

1207. CSRS is one of the better retirement plans offered today. I have
      no improvement suggestions.

1208. Allow more input in to thrift savings

1209. Life insurance carried into retirement should be more affordable.
      Lower income tax on retirement benefits - higher COLAs.

1210. spousal retirements benefits

1211. thrift savings

1212. Dental insurance

1213. Dental insurance

1214. None

1215. Dental and eye glass coverage

1216. Opportunity to work part time with loss of retirement benefits or
      high three.

1217. Better dental coverage

1218. Change Windfall Elimination Provision. Everyone does not work all
      their lives for the US Government. Equal protection of the law
      should apply the social security.

1219. Scheduled and more frequent reviews as you approach retirement.

1220. Dental Insurance

1221. Long Term Care

1222. Long term care insurance is too expensive for most to consider.

1223. Elimination of Government Pension Offset and Windfall Elimination

1224. Recognition for career efforts

1225. Not sure

1226. Spousal survivor benefit is too expensive. Better, cheaper
      alternatives are available in the private sector. All Social
      Security rules for CSRS employees suck.

1227. Long term care insurance

1228. Under FERS, some percentage of Sick Leave should be compensated at
      retirement. It is abused.

1229. N/A

1230. Annuity-would like to be able to retire at age 55 with 35 years of
      service and get 80% of base pay. In lieu of working until I\'m
      eligible to draw 80% of my base pay, which is 60 or 62.

1231. Anniity

1232. Annuity and elimination of the pension offset and windfall
      provision.

1233. FSA

1234. none

1235. Spousal benifits

1236. Social Security offset

1237. Better dental insurance as part of major health insurance packages
      such as Blue Cross Blue Shield

1238. Offset pension should be done away so a CSRS annuitant is not
      limited because of possible social security entitlement. Survivor
      benefit associated with

1239. Option for early retirement

1240. Would like option of retiring at 50 with 30 years of service.

1241. FERS Annuity

1242. better colas

1243. Dental insurance

1244. Thrift Savings Plan

1245. Don\'t know

1246. None.

1247. Some decent coverage for dental needs.

1248. Satisfied

1249. Dental Ins.

1250. Dental and vision insurance

1251. Increase annunity

1252. annuity

1253. Health insurance

1254. More timely knowledge, well before retirement

1255. none

1256. None

1257. Don\'t know

1258. Survivor benefits

1259. More courses to better explain the system. It is extremely
      confusing.

1260. More favorable government participation in health and dental
      insurance plans

1261. Staff expertise working for TSP in NFC. They are not very skilled.

1262. amount to contribute to TSP for CSRS

1263. Don\'t know

1264. Larger percent for contribution by CSRS into Thrift Savings.

1265. Being able to draw part of my husband\'s Social Security if he
      dies.

1266. Have greater amount of information about how annuities are
      determined and sites to go for calculating your annuities.

1267. Long term health care

1268. Better information on the whole package. I am not certain how the
      long term care works and how much my medical insurance will end up
      costing when I retire. I would also like a better idea of what my
      retirement benefits will be by hjaving a specilaist in that are
      help me to accutrately calculate the monthly amounts.

1269. Annuity

1270. Dental insurance and vision insurance.

1271. Annuity and Spousal benefits

1272. none

1273. Dental Insurance and Annuity.

1274. Dental Insurance

1275. Annuity

1276. Life insurance

1277. TSP

1278. increase agency contributions

1279. All

1280. Dental insurance at reasonable price - less number of carriers on
      health insurance would make it cheaper for us all.

1281. more emphasis on TSP and preretirement (1 year or less) issues.

1282. dental insurance

1283. government matching TSP contributions for CSRS employees

1284. Amount of annunity - of course!

1285. Pay for unused sick leave.

1286. I would like to receive my years that I worked under Social
      Security, since I have all the quarters. I have been working
      approximately 47 years and will receive a cutback of my Social
      Security.

1287. health insurance

1288. all of them

1289. Do not have a response

1290. Dental insurance - premiums for the insurance available is too
      expensive

1291. Dental insurance and spousal social security benefits (if your
      spouse has worked a number of years - you do not get their social
      security - if they die prior to you).

1292. information about retirement system

1293. That I could draw my spouse\'s social security if something
      happened to him along with my CSRS.

1294. Higher annuity

1295. Bigger annuity

1296. Health insurance

1297. Permanent protection against trendy cost-saving legislators who
      want to cut retirement benefits because of their personal
      politics. We have given our lives to the governance of the
      greatest country on earth. We deserve the retirement benefits we
      were promised. We have made financial decisions throughout our
      careers based on the promise that our employer made to us
      regarding pension and health benefits in retirement. DON\'T let
      anyone decrease it now. Our country is great, partially, because
      we did our duty with dedication. STICK UP FOR US!!!!!!!!!!!!

1298. training on retirement\--options, keep employees informed
      especially new employees (the need to save early to maximize
      benefits).

1299. I\'ll let you know when I retire

1300. A Dental Plan similar to the Health insurance.

1301. Health Insurance

1302. Health insurance

1303. higher annuity

1304. Annuity

1305. health insurance

1306. Better health insurance options and included benefits. I would
      also like the same rates as the postal service. This ongoing
      discrimination sucks !

1307. Dental insurance

1308. Spousal retirement benefits and dental insurance

1309. None. Leave it alone. It would be especially awful to change the
      system to a high five.

1310. Higher percentage of base pay at retirement.

1311. Eliminate reduction in SS benfits for CSRS. Improve dental
      insurance and increase percent of annuity for spouse.

1312. Benefits for a surviving spouse are horrible - why would it be
      cheaper for my widow to live than it is for me when I am alive.

1313. It is probabably relatively fair now.

1314. Eliminate the Social Security Offset Provisions

1315. N/A

1316. eliminate the windfall under Social Security

1317. annuity

1318. Percent of the salary to be more than 56%

1319. I have not began to evaluate retirements conditions or alternative
      yet.

1320. The percent of annuity should be increased.

1321. Social Security

1322. None

1323. To increase the hiring of younger people, allow retirement with
      full coverage at age 55 and with 25years of service in the federal
      system. At 30 years, people are slowing down and may not be
      proficent as they were at a younger age.

1324. Thrift savings

1325. health insurance for retirees

1326. Health insurance

1327. Locality Pay

1328. counting COLA (live in Hawaii)toward retirement calc so I can
      continue to afford to live here.

1329. Several States have Child Support to the age of 23. Medical,Dental
      and Vission coverage for children to that age while attending a
      higher level of education would assist employees.

1330. voluntary retirement with immediate inuity at any age with over 30
      years service

1331. Thrift savings plan

1332. spousal benefits and health/dental insurance

1333. Govt. contribution to TSP

1334. Health Insurance and Long Term Care Insurance

1335. Health insusrance

1336. Life Insurance

1337. Dental and Vision Insurance

1338. I WOULD LIKE THE NUMBER OF YEARS CHANGED TO 20 AT ANY AGE

1339. More training early for all employees - every 5 years on the
      retirement system and especially the need to contribute to TSP!!

1340. None

1341. Lesser costs for health insurance.

1342. dosent matter.

1343. Need more dental benifits and life insurance should remain full
      coverage as a person ages instead of being reduced.

1344. Let the government partially pay Health care after retirement.

1345. civil service retiries should recieve all Social Security benefits
      that they earn just like most people.

1346. none

1347. Annuity percentage

1348. no opinion

1349. Retirement preplanning.

1350. I\'m well satisfied as long as the existing benefits to my
      retirement plan are retained.

1351. Do away with the loss of part of the social security when retiring
      under CSRS. That was instituted after many of us started working
      under CSRS and already had our required quarters for Social
      Security.

1352. Health and dental insurance.

1353. Long term careare

1354. Allow early outs!!!!!!!!!

1355. Do away with the reduction to social security benifits that have
      been earned.

1356. I would like to see windfall profit elimination act eliminated.
      What a screw job!

1357. Knowledgable and credible assistance from HR.

1358. The annuity component has too high a penalty for retiring early.

1359. Annuity

1360. Dollar amount set-aside verse % of pay should be changed. Everyone
      should be able to set aside at the same dollar amount if they are
      will to take it out of their pay check.

1361. Dental care\...

1362. Need to waiver last 5 year requirement for HEALTH INSURANCE -
      should be combined 5 or 10 years over your career. You could have
      paid into the program for 15 years of your career and not be
      eligible - THAT IS NOT RIGHT!

1363. The limited investment opportunities of TSP.

1364. dental insurance, lower rates for life insurance, reduction in the
      rate of increase of health benefit premiums

1365. Annuity

1366. Health insurance that includes better dental and vision coverage.

1367. Retire earlier

1368. Dental insurance and elimination of the windfall benefits as it
      relates to Social Security.

1369. none

1370. I disagree with the penalty on social security for folks that have
      worked and paid into the system just because they are federal
      employees. They don\'t reduce the amount we have to pay, but
      reduce our potential benefits.

1371. Eliminate the off-set penalty for social security for civil
      service retirees.

1372. Insurance rates

1373. This agency is extremely RACIST, PREJUDICE, HIRING PRACTICES
      STINK!!!!!!!!!!!!!!

1374. percent of retirement

1375. Health insurance/dental

1376. Be able to draw Social Security if you qualify.

1377. Don\'t know

1378. Not sure.

1379. Dental insurance

1380. Dental, Social Security, and TSP.

1381. Health Insurance

1382. Most state governments allow State Employees sick leave to count
      toward there 30 years of service for retirement. I think the
      federal government should do the same.

1383. The insurance packages could be made more inexpensive to retirees.

1384. annuity

1385. Annuity

1386. Better rates on continuing our existing insurance after we retire.

1387. Increased information about retirement options and retirement
      planning from HR BEFORE im elgible for retirement.

1388. Annuity should be hire and Social Security(Needs the WEP and PO
      penalty dropped)Health and Life Ins. costs lowered in retirement
      not increased or taken away. When one reaches retirement age
      benefit should be there and not taken away or lowered after
      working for them for 30 years.

1389. I would like to be able to cash out accumulated sick leave in lieu
      of using it to add on to \# of years of retirement.

1390. Abolish the Windfall Elimination Provision.

1391. Have retirement training mandatory in early, middle, and late
      career time frames. An employee doesn\'t know what they don\'t
      know!

1392. annuity

1393. Annunity

1394. higher percentage of pay

1395. Nothing comes to mind, it is extremely fair (CSRS)

1396. NA - satisfied

1397. Dental Coverage

1398. long term care

1399. long-term care

1400. Health benefits expaned to cover dental and visual. Retirees\'
      annual cost of living increase equal to active employees. TSP
      viable for retirees forever.

1401. CSRS Offset program, the 40% reduction should be eliminated. Since
      we are paying social security, should get full amount, not reduced
      by 40%.

1402. Dental Insurance

1403. spousal annuity

1404. Health care

1405. dental and life insurance benefits

1406. better dental insurance

1407. Nothing. Until 3 years ago I had not expected to receive any
      benefits as I had cashed in my retirement. Even though I have to
      redeposit it\'s still a good deal.

1408. Just keep updated with new information

1409. spousal retirement benefits

1410. Dental insurance; Long term care insurance; health insurance

1411. larger annuity

1412. Health Benefits

1413. Keep the promise you made to me when you hired me by providing me
      the option of withdrawing everything I\'ve paid in the retirement
      in a lump sum. (you broke your promise)

1414. Overall, the retirement system is pretty good. However, it took me
      several years of trying to obtain pre-retirement training and
      related information.

1415. Vision and dental insurance

1416. Health benefits, especially dental

1417. Lower health insurance costs and dental and optical coverage;
      better survivor benefits for spouse.

1418. No suggestions.

1419. The hit on Social Security.

1420. Relocation financial assistance upon retirement. One last move.

1421. We have a good retirement system.

1422. More initial and ongoing training on how it works and investment
      options.

1423. Long term care insurance.

1424. Ability to work part time without decreasing my annuity.

1425. I would like to be able to put more into the Thrift Savings Plan

1426. To be able to retire with a higher percentage of the

1427. spousal retirment benefits

1428. none

1429. Medical savings account provision added to the federal retirement,
      and change the Social Security

1430. Dental and Health Insurance and Long-term care

1431. Health Insurance - Same FSAFEDS beenefits for retiries that
      emplyees have

1432. Incentive or retention to work longer.

1433. I am happy with the retirement as far as I know about it.

1434. Retirement analysis capabilities in HR.

1435. All areas

1436. Increased annuity; better health and dental benefits, an dbetter
      long-term care insurance.

1437. spousal retirement benefits

1438. Isn\'t this beyond the agencys authority?

1439. Dental, health insurance (to include eye exams)

1440. dental insurance

1441. None come to mind.

1442. Exemption of anuity from state taxes.

1443. I know that OPM is working on dental. That is the weakest medical
      issue for me right now.

1444. Ability to

1445. health benefitrs / Long Term Care Insurance

1446. The Federal Government Pension is terrible. We have to work until
      we have 30 years at age 55 - and the pension is so bad that people
      have may have to have supplemental income even after they retire

1447. I can\'t answer this with any certainty as I haven\'t looked at it
      as closely as I should.

1448. Health Insurance

1449. Opportunity to work like a WAE to still provide some of the
      Technical Skills to the agency on a as needed basis.

1450. Lower health care costs

1451. Dental Insurance

1452. Health Insurance should be tax-exempt like it is for current
      employees.

1453. dental insurance

1454. Thrift Savings Plan - federal match

1455. dental insurance

1456. Health insurance.

1457. dental benefits and better health care coverage

1458. Do away with the Social Security offset. We should be able to
      receive our Federal Retirement plus our SS retirement.

1459. Dental insurance

1460. Health Insurance

1461. Spousal benefits, annuity

1462. I\'m in the best retirement system there is.

1463. Not sure at this time - ask me again in 12 months after a csrs
      traing session

1464. None

1465. Dental and vision care.

1466. Increase in retirement raise to 2% per year

1467. Elimination of the reduction in Social Security benefits when I
      retire from CSRS. If I want to work after CSRS retirement to earn
      Social Security benefits, I should be able to receive the full
      amount instead of the current reduced benefit.

1468. it is outstanding\...

1469. annuity

1470. Annuity, and to be able to collect spousal social security!!

1471. Continued paid health insurance coverage after retirement.

1472. health/dental

1473. Nothing

1474. annuity, dental insurance, long term care insurance, sposal
      retirement benefits

1475. don\'t touch it,

1476. Decrease the reduction when selecting spousal annuity option.

1477. 1\. Higher annual annuity 2. better dental

1478. cost-of-living increases

1479. Annuity

1480. Health and Dental insurance

1481. High 3!

1482. Premium conversion of insurance premiums needs to be passed.

1483. Dental insurance

1484. none

1485. Bigger annunity.

1486. Health Insurance

1487. none

1488. Health insurance costs.

1489. Unsure

1490. None. CSRS is fine.

1491. Don\'t know enough about it to say except that Health Insurance
      Premiums keep going up and up and up. It will be hard to handle
      when retired.

1492. I think the annuity, dental, health, and spousal retirement
      benefits should be better than what they are.

1493. Dental and health insurance benefits.

1494. Allow CSRS employees to obtain social security benefits without
      having them reduced.

1495. Seminars on the benefits and options

1496. dental/vision insurance

1497. Health Insurance

1498. Of course I would like the annual annuity increased, but as you
      can see by my pervious answers, I know very little about MY
      retirement package & I am w/i 5 years of retirement!!

1499. More choices in TSP

1500. Dental and health insurance.

1501. WEP provission - no \'penalty\' for federal service for CSRS

1502. More contribution by Government.

1503. lower health insurance premiums.

1504. Annuity

1505. Age/year requirement

1506. Health insurance premiums need to be held down. The premium
      increases are getting ridiculous compared to what the services
      are. Dental insurance is practically nonexistant; a real travesty.

1507. I do not know much yet.

1508. tsp

1509. After looking at FERS I am satisfied with CSRS.

1510. Dental and vision benefits.

1511. The Federal Government needs to eliminate the so-called

1512. Too late to worry about it, but credit for non-governmental
      service would help.

1513. Social Security.

1514. Don\'t know yet.

1515. Annuity and Social Security

1516. n/a

1517. Don\'t know

1518. Increase spousal retirement benefits by a minimum of 20%

1519. Eliminate Social Security Windfall.

1520. Annuity

1521. I hear that you must save several thousand dollars to get you
      through a three month, or so, period after you officially retire
      before benefits kick in. Also, it seems unfair that if you are
      under CSRS, and you have earned social security benefits, you
      can\'t participate.

1522. None.

1523. Up the percentage of high average 3 years after 30 years of
      service.

1524. Higher pay benefits for thirty years of service to the government.

1525. Higher percentage per year of service comparable to some State
      Employees.

1526. Have

1527. More comprehensive health, dental, and long-term insurance at
      affordable rates. The government share could be increased and OPM
      do a better job of negotiating rates with insurance companies.
      Maybe ONE low bid contract for ALL federal employees.

1528. Spousal benifits

1529. Annuity

1530. It\'s OK as is

1531. employer match to TSP

1532. dental and long term care insurance

1533. Better life insurance options

1534. Ability to work part time with the agency after retirement without
      reduction in benefits. Right now there is a disincentive to do so.

1535. health insurance

1536. If employees could have a complete health, dential, long term
      care, and life insurnace package to choose from when retiring.

1537. more retirement seminars

1538. Remove penalty for early retirement. Also need better training and
      assistance on retirement planning.

1539. Health insurance

1540. Federal involvement with TSP

1541. No changes

1542. Improved insurance coverage

1543. none

1544. nothing

1545. There needs to be better dental coverage.

1546. Allow employees to go into semi-retirement. Be on a retirment
      anuity but allow them to work part-time.

1547. CSRS access to SS benefits

1548. Dental Insurance should be improved.

1549. none

1550. More TSP, less promised pension. One in the bag is worth two in
      the bush. I am happy with current package which I planned for my
      whole career. I am worried about the government keeping the
      promise.

1551. None

1552. Health and dental insurance

1553. Lower Life Insurance premiums. Full access to Social Security
      Benefits

1554. Thrift Saving