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Question

Do I need a separate estate plan if I have federal benefits?

Answer

Yes, as federal benefits do not automatically cover estate planning needs. While FEGLI life insurance, FERS/CSRS survivor benefits, and TSP beneficiary designations help, a trust or will ensures efficient wealth transfer and asset protection, particularly if you have federal long-term care insurance (FLTCIP) or property outside designated beneficiaries.

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Federal Employees FAQs
Last Updated May 14, 2026
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