Finances, Legal, Insurance, and Retirement Resources

Divorce Resources

• GCLO’s Separation and Divorce: Responsibilities and Resources cable highlights guidance and information for families experiencing a marital crisis while at post or in the United States. This new cable offers updates from GTM's Employee Relations Conduct, Suitability, and Discipline division (GTM/ER/CSD). The cable also links to GCLO’s Divorce and the Foreign Service online resource. 

Finances

BANKS COMMONLY USED BY FOREIGN SERVICE MEMBERS

• USAA Insurance
• State Department Federal Credit Union

LEAVING THE FOREIGN SERVICE

• “Life After the Foreign Service” class is offered periodically at the Transition Center.
• Retirement regulations in the FAM

LEGAL

• GCLO Divorce and the Foreign Service
• AFSA Divorce Resources

INSURANCE

• Personal Finance - youtube
• Financial Investment - youtube
• AFSA List of Insurance Resources

RETIREMENT

• RNet: The Retirement Network of the U.S. Department of State
• AFSA Special Collection on Foreign Service Retirement

EFMs May Qualify for Annuity Benefits

Eligible family members (EFMs) who have actively worked part-time or full-time cumulatively for at least five years of civilian service may qualify for annuity benefits. EFMs serving on Family Member Appointments (FMA), and who contribute to the Civil Service Federal Employees Retirement System (FERS), are encouraged to review their personnel actions in eOPF to verify their status. EFMs under FERS are eligible for an annuity benefit at age 62 with at least five years of creditable civilian service. EFMs with at least 10 years, but less than 30 years of service, can receive a benefit at their Minimum Retirement Age (MRA) with an age penalty. For questions about retirement and annuity benefits, please contact HRSC@state.gov.