FINANCIAL BENEFITS FOR AGENCY EMPLOYEES

• Document Type: CREST
• Collection: General CIA Records
• Document Number (FOIA) /ESDN (CREST): CIA-RDP78-04724A000100100008-6
• Release Decision: RIPPUB
• Original Classification: S
• Document Page Count: 19
• Document Creation Date: December 9, 2016
• Document Release Date: May 11, 1999
• Sequence Number: 8
• Publication Date: July 11, 1958
• Content Type: MF

Approved For Reuel ase 2001 /03/0&CC RDP78-04 24A000100100008-6
11 July 1958
SUBJECT : Financial Benefits for Agency Employees
1. Support Bulletin 9, March - April 1958, was a special issue devoted
to the subject of Employee Benefits.
2. Numerous requests have been. received to publish this information
in a format which would permit employees to take it home and discuss it
with their families. The attached pamphlet has been prepared and pub-
lished to meet this need.
(1 NOFORN
3. Remove this cover memorandum before taking the attached un-
classified pamphlet outside your building or before showing the pamphlet
to any non-Agency individual. This pamphlet is for the use of employees
and their immediate families ONLY.
4. This pamphlet shall not be sent or taken out of the United States.
L. K. WHITE
Deputy Director
(Support)
NOFORN file. If separated from the file it must be
Approved For Release 2001/03/02 : CIA-RDP78w@4V2#A@Vd"&1' b`09'_1r'
This document Is part of an integrated
 Ppproved For Release 2001/03/02 : CIA-RDP78-04724A000100100008-6
100, ftld(
FINANCIAL BENEFITS
FOR
AGENCY EMPLOYEES
THIS PAMPHLET SHALL NOT BE SENT OR TAKEN OUT
OF THE UNITED STATES
~r.~o .~?'~? '-cam
~/o~";' .:~C
,
G
:
25X1A
25X1A
JULY 1958
I MV102//C?MROP7 -04724 400
 Approved For Release 2001/03/02: CIA-RDP78-07 4A000100100008-6
Published in the interest of Agency employees. This pamphlet
is for the use of employees and their immediate families ONLY.
TABLE OF CONTENTS
Page
Introduction . . . . . . . . . . . . . . . . . . . . 1
Chart 1- Your Financial Requirements . . . . . . . . . . 2
Chart 2 - Anticipated Financial Needs . . . . . . . . . . 3
Practical Illustrations . . . . . . . . . . . . . . . . . 4
Useful Information . . . . . . . . . ... . . .
Federal Employees' Compensation Act . . . . . . . . . . 8
Retirement . . . . . . . . . . . . . . . . . . . . 8
Social Security . . . . . . . . . . . . . . . . . . . 8
Federal Employees' Group Life Insurance . . . . . . . . . 8
Overseas Medical Benefit Programs . . . . . . . . . . . 9
Government Employees Health Association Plans . . . . . . 9
Mortgage Insurance . . . . . . . . . . . . . . . . 9
Savings . . . . . . . . . . . . . . . . . . . . . 10
Do I Need a Will? . . . . . . . . . . . . . . . . . . 10
Burial in National Cemeteries . . . . . . . . . . . . . 10
Chart 3 - Some Typical Monthly Survivor Benefits . . . . . 11
What the Benefits and Casualty Division Can Do for You . . . . 12
Casualty Program . . . . . . . . . . . . . . . . . 12
Important Documents You Should Have . . . . . . . . . 13
Keeping Your Papers Safe . . . . . . . . . . . . . . . 13
Civil Service Annuity Chart . . . . . . . . . . inside back cover
Approved For Release 2001/03/02 : CIA-RDP78-04724A000100100008-6
 Approved For Release 2001/03/02 : CIA-RDP78-Qg724A000100100008-6
INTRODUCTION
In this pamphlet we have set forth in lay-
men's terms the financial benefits that are
available to our employees including those
which derive from Government employment
and those which are unique to the Agency.
We hope this outline will be helpful to you
in planning your personal financial affairs.
It should merit the particular attention of
those of you who are the head of a household
and who must provide for the future welfare
of your family.
Sound personal financial planning depends
in large measure on your ability to look well
ahead in making provisions for periods of sick-
ness and the possibility of untimely death, the
education of children, the acquisition of prop-
erty, and the financing of a comfortable re-
tirement. It is the accepted responsibility of
the Agency to develop a positive program of
benefits and to assist you in making the best
use of your opportunities. It is this latter as-
pect of our program which we especially em-
phasize in this publication. The benefits de-
scribed herein are not new, but the ways in
which they can be applied to meet your vari-
ous requirements have never before been pre-
sented in integrated form.
As a new service, the Benefits and Casualty
Division will, at your request, establish and
maintain a personal file in which may be
placed or recorded data and records of a per-
sonal and financial nature. This file will be
helpful to you in your planning and will facili-
tate the eventual establishment of retirement
rights, claims under the various insurance
protection programs, and the settlement of
your estate in the event of death.
HOW TO DRAW UP YOUR OWN BALANCE SHEET
Whether or not you choose to develop a per-
sonal file, it is important that you and your
wife draw up a balance sheet of your financial
situation as it is today and as it will be in the
future. Such a balance sheet should reflect
your financial requirements and the resources
at your disposal to meet them.
In reviewing your situation and making
your forecast, your first assumption will be
that your earning power will continue until
you retire. Under this assumption, the aver-
age employee has two problems: First, how to
plan for the expensive years when educational,
mortgage, and living standard costs are high-
est; second, how to be in a position to retire.
The need for such planning has been strik-
ingly illustrated during past years. Personnel
returning from overseas have discovered that
the establishment of a household and the
maintenance of a comfortable standard of liv-
ing require some capital investment. Those
who have saved during their early years of
employment and during overseas tours are
able to meet these requirements handily.
Others have suddenly found themselves faced
with a heavy, long-term debt load and some-
times a standard of living well below that en-
joyed by the average Government employee
drawing the same salary.
Similarly, some of you are in a position to
"live it up" after you retire and are in such a
position as a result of careful planning. Un-
fortunately, there are others of you who must
plan to pay debts and mortgages from re-
duced (retirement) income and to whom re-
tirement will mean an abrupt end to many of
the pleasures you now enjoy.
Your second assumption will take into ac-
count the possibility of illness or untimely
death. Again, if you have children, your plan-
ning should include, on a reduced scale, pro-
vision for the "expensive years," not just sub-
sistence. Vitally important programs are
sponsored to meet all contingencies under this
assumption.
Naturally any balance sheet will be drawn
to operate in your interest under either as-
sumption. No one can tell you exactly how
to weight your own plan. Knowledge of your
rights under the law and of your opportuni-
ties to save and protect yourself should, how-
ever, influence your planning and may make
possible things that today appear to be out of
reach.
These rights and opportunities are set forth
schematically in charts 1 and 2.
1
Approved For Release 2001/03/02 : CIA-RDP78-04724A000100100008-6
 Approved For Re
,lease 2001/03/02 : CIA-RDP78-04.7 4A000100100008-6
m
o
~s
~
25a
w
y`~
qqq'
a
~/!
ISE
qq
Ey[+
y
p2y5
~
mm wm~
6~ U
E
F
~ N? W
WtG
H W
U' O
yy
~f!
ly
1
~l
Q
L
'jH
L
1
P
L
)
4
i
FFyl~l ~
4~ N
.Y
VlA
N
Hh
S
AP
-
!h
O YN
Otil
a
~`~
U
( p~.
YS
tILL
raAS
S
RH
"J ."
w~
yc4
i
~'~'
?
~
f!
{i
.`
N HS `.~
~w
y~
q
9
h
1
~
'"
S N~
I~
f
j
~c
s
.~A OX'A
A~
S
en
d
~
~ v
Din
K r
4
O
-4
~ N
N
Z Approved For Release 2001/03/02 : CIA-RDP78-04724A000100100008-6
 Approved For Release 2001/03/02 : CIA-RDP78-Q.4724A000100100008-6
3
Approved For Release 2001/03/02 : CIA-RDP78-04724A000100100008-6
 Approved For Re,Jase 2001/03/02 : CIA-RDP78-04 4A000100100008-6
PRACTICAL ILLUSTRATIONS OF
FINANCIAL PLANNING
Set forth below are an actual estate and
planning program of an Agency employee
earning slightly more than $12,000 annually
and suggested programs for incomes of $7,500
and $5,500. In these three illustrations, it is
assumed that the employee is survived by a
widow and two minor children. The actual
and suggested programs are built on those
plans available to you. No outside income,
insurance, or sources of investment have been
included, although you may develop similar
programs from outside sources.
PROGRAM I-ANNUAL INCOME SLIGHTLY
MORE THAN $12,000
YEARLY
COSTS
FACE
VALUE
FEGLI Insurance
$ 84.50
$13,000.00
GEHA Insurance
UBLIC
109.80
15,000.00
WAEPA
125.00
15,000.00
Income Replacement 120.80
Hospitalization 88.80
Nine Dread Diseases 10.00
Credit Union Savings
$50 per month*
600.00
Civil Service
Retirement
780.00
Total
$1,918.90
* Many employees use the Savings Bond
payroll deduction plan for this purpose.
BENEFITS
Now, what does the employee or his family
get under varying circumstances? We will
assume the following:
Employee Age - 47
Government Service - 15 years
Program in effect - 7 years
EMPLOYEE DIES NATURAL DEATH
Widow Receives:
FEGLI
$13,000.00
UBLIC
15,000.00
WAEPA
15,000.00
Credit Union
4,200.00
plus dividends
Civil Service An- 2,775.00 annual annuity
nuity to Widow
and 2 children
EMPLOYEE KILLED ACCIDENTALLY NOT IN PER-
FORMANCE OF DUTY
Widow Receives:
FEGLI $26,000.00
UBLIC 30,000.00
WAEPA 40,000.00
Credit Union 4,200.00 plus dividends
Civil Service An- 2,775.00 annual annuity
nuity to Widow
and 2 children
EMPLOYEE KILLED ACCIDENTALLY IN PERFORM-
ANCE OF DUTY
Widow Receives:
FEGLI $26,000.00
UBLIC
WAEPA
Credit Union
Civil Service
Retirement
FECA
30,000.00
40,000.00
4,200.00 plus dividends
Refund of deductions
plus interest
525.00 per month tax
free
EMPLOYEE OR DEPENDENTS HOSPITALIZED IN
UNITED STATES - NOT JOB CONNECTED
Hospitalization Insurance pays $13.50 per
day up to 90 days and $202.50 for hospital
extras plus 75 percent of balance up to $5,000.
Also surgeons' fees per contract schedule.
If employee is ill more than 30 days he re-
ceives, beginning with the 31st day, $100 per
week for period of incapacity up to 10 years
if incapacity is due to illness, and for life if due
to accident.
Should you or your family be stricken by
one of the nine dread diseases you can have
4 Approved For Release 2001/03/02 : CIA-RDP78-04724A000100100008-6
 Approved For Relee 2001/03/02 : CIA-RDP78-0474A000100100008-6
up to $10,000 worth of coverage for each
incidence of each such disease in addition to
the above.
EMPLOYEE RETIRES AT AGE 62
a. FEGLI Insurance continues without fur-
ther premium payments but is reduced, begin-
ning at age 65, to 25 percent of original
coverage;
b. UBLIC and WAEPA Insurance can be
converted without physical examination but
premiums are standard rates;
c. Credit Union principal would be $13,200
plus dividends;
d. Civil Service Retirement Annuity with
survivor benefits would be $6,255 annually;
e. Present hospitalization policy can be
maintained directly with underwriter at 25
percent increase in premium.
EMPLOYEE DIES NATURAL DEATH
Widow Receives:
FEGLI $8,000.00
UBLIC 9,000.00
Credit Union 2,100.00 plus dividends
Civil Service An Approximately $2,184
nuity to Widow annual annuity
EMPLOYEE KILLED ACCIDENTALLY NOT IN PER-
FORMANCE OF DUTY
Ar~
FEGLI $16,00000
UBLIC 18,000 0
Credit Union 2,100 00 plus dividends
Civil Service An- 2,184 0 annual nnuity
nuity to Widow
and 2 children
PROGRAM II-ANNUAL INCOME OF $7,500
YEARLY
COSTS
FACE
VALUE
FEGLI Insurance
$52.00
$8,000.00
GEHA Insurance
UBLIC
65.88
9,000.00
Income Replacement
90.60
Hospitalization
88.80
Nine Dread Diseases
10.00
Credit Union Savings 300.00
$25 per month*
Civil Service
487.50
Retirement
Total
$1,094.78
* Many employees use the Savings Bond
payroll deduction plan for this purpose.
BENEFITS
Now, what does the employee or his family
get under the varying circumstances? We will
assume the following:
Employee Age - 40
Government Service - 15 years
Program in effect - 7 years
EMPLOYEE KILLED ACCIDENTALLY IN PERFORM-
ANCE OF DUTY
Widow Receives:
FEGLI
UBLIC
Credit Union
Civil Service
Retirement
FECA
$16,000.00
18,000.00
2,100.00 plus dividends
Refund of deductions
plus interest
437.50 per month tax
free
EMPLOYEE OR DEPENDENTS HOSPITALIZED IN
UNITED STATES - NOT JOB CONNECTED
Hospitalization Insurance pays $13.50 per
day up to 90 days and $202.50 for hospital ex-
tras plus 75 percent of balance up to $5,000.
Also surgeons' fees per contract schedule.
If employee is ill more than 30 days he re-
ceives, beginning with the 31st day, $75 per
week for period of incapacity up to ten years
if incapacity is due to illness, and for life if
due to accident.
Should you or your family be stricken by
one of the nine dread diseases you can have up
to $10,000 worth of coverage for each inci-
dence of each such disease in addition to the
above.
5
Approved For Release 2001/03/02 : CIA-RDP78-04724A000100100008-6
 Approved For Release 2001/03/02 : CIA-RDP78-047. A000100100008-6
EMPLOYEE RETIRES AT AGE 62
a. FEGLI Insurance continues without fur-
ther premium payments but is reduced, be-
ginning at age 65, to 25 percent of original
coverage;
b. UBLIC Insurance can be converted with-
out physical examination but premiums are
standard rates;
c. Credit Union principal would be $8,700
plus dividends;
d. Civil Service Retirement Annuity with
survivor benefits would be $4,920 annually;
e. Present hospitalization policy can be
maintained drectly with underwriter at 25
precent increase in premium.
Employee Age - 30
Government Service - 6 years
Program in effect - 2 years
EMPLOYEE DIES NATURAL DEATH
Widow Receives :
FEGLI $6,000.00
UBLIC 6,000.00
Credit Union 240.00 plus dividends
Civil Service An- 1,454.00 annual annuity
nuity to Widow
and 2 children
EMPLOYEE KILLED ACCIDENTALLY NOT IN PER-
FORMANCE OF DUTY
Widow Receives:
PROGRAM
III-ANNUAL INCOME OF
FEGLI $12,000 00
UBLIC 12,000 0
500
$5
Credit Union 240 00 plus dividends
,
YEARLY FACE
COSTS VALUE
Civil Service An- 1,45 0 annualannuity
nuity to Widow
and 2 children
FEGLI Insurance
$39.00 $6,000.00
GEHA Insurance
EMPLOYEE KILLED ACCIDENTALLY IN PERFORM-
UBLIC
43.92 6,000.00
ANCE OF DUTY
lacement
R
40
60
ep
Income
.
Hospitalization
88.80
Widow Receives:
Nine Dread Diseases
10.00
FEGLI $12,000.00
Credit Union Savings
*
120.00
UBLIC 12,000.00
Credit Union 240.00 plus dividends
$10 per month
Civil Service An- Refund of deductions
Civil Service
357.50
nuity to Widow plus interest
Retirement
and 2 children
Total
$719.62
FECA 320.83 per month tax
* Many employees use the Savings Bond
payroll deduction plan for this purpose.
NOTE: WAEPA Insurance is omitted from
Program III since it is felt that employee's sal-
ary normally would not justify carrying more
than the amount of insurance listed above.
WAEPA would, of course, be available to the
employee.
BENEFITS
Now, what does the employee or his family
get under varying circumstances? We will
assume the following:
EMPLOYEE OR DEPENDENTS HOSPITALIZED IN
UNITED STATES - NOT JOB CONNECTED
Hospitalization Insurance pays $13.50 per
day up to 90 days and $202.50 for hospital ex-
tras plus 75 percent of balance up to $5,000.
Also surgeons' fees per contract schedule.
If employee is ill more than 30 days he re-
ceives, beginning with the 31st day, $50 per
week for period of incapacity up to ten years
if incapacity is due to illness, and for life if
due to accident.
6
Approved For Release 2001/03/02 : CIA-RDP78-04724A000100100008-6
 Approved For Release 2001/03/02 :CIA-RDP78-047;4A000100100008-6
Should you or your family be stricken by
one of the nine dread diseases you have up to
$10,000 worth of coverage for each incidence
of each such disease in addition to the above.
EMPLOYEE RETIRES AT AGE 62
a. FEGLI Insurance continues without fur-
ther premium payments but is reduced, be-
ginning at age 65, to 25 percent of original
coverage;
b. UBLIC Insurance can be converted with-
out physical examination but premiums are
standard rates;
c. Credit Union principal would be $4,080
plus dividends;
d. Civil Service Retirement Annuity with
survivor benefits would be $3,756 annually;
e. Present hospitalization policy can be
maintained directly with underwriter at 25
percent increase in premium.
The three programs illustrated above pro-
vide immediate protection to cover sudden
death and unexpected misfortunes to yourself
and to your family. One of the term insur-
ance policies can be used in lieu of mortgage
insurance on your home. The savings account
will help to provide for the children's educa-
ASSETS
Average Bank Account
Savings Account
Savings Bonds
Stocks and Bonds
Other Savings
Equity in Home
Life Insurance
Health Insurance
Retirement Income
Education Fund
tion or temporary emergencies. Your retire-
ment annuity should provide a reasonable liv-
ing when you retire.
How are your affairs? Review the list be-
low to see if changes are needed in your
present program.
ADEQUATE NOT ADEQUATE
Debts (Monthly Payments on Car, Furniture, etc.)
Approved For Release 2001/03/02 : CIA-RDP78-04724A000100100008-6
 Approved For Rels`ase 2001/03/02 : CIA-RDP78-047A000100100008-6
USEFUL INFORMATION
In this section we have provided informa-
tion which may be useful in your review of
your personal and financial affairs.
STATUTORY AND AGENCY BENEFITS
You are entitled to certain benefits as a re-
sult of your Government employment. Other
benefits are unique to Agency employment,
including the insurance plans offered by the
Government Employees' Health Association
(GEHA).
Civil-service retirement will provide an an-
nuity for your widow and children if you
should die while in Federal service provided
you have at least five years of civilian service.
Your widow will receive 50 percent of an an-
nuity based on your "high-five" average salary
and years of service. In addition, each child
will receive an annuity of 40 percent of the
employee's "high-five" average salary divided
by the number of children. However, annuity
to any one child is limited to $600 a year, and
the total to all children cannot exceed $1,800
a year.
STATUTORY BENEFITS
Federal Employees' Compensation Act
Government employees are eligible for ben-
efits under this Act for injuries or illnesses
incurred in the performance of duty, i.e., ill-
ness or injury proximately caused or material-
ly aggravated by the performance of officially
assigned duties. The coverage of the Act ex-
tends to Federal employment any place in
the world.
Among the benefits provided by FECA are
full hospital and related care, compensation
for loss of wages (in lieu of the use of sick
and annual leave), compensation for perma-
nent disability, and compensation to certain
named survivors in case of your death.
Civil Service Retirement Act
You may retire at any of the following ages
provided you have the indicated minimum
years of Federal service:
Minimum
Earliest
Age
Years of
Service Remarks
62
5
60
30
55
30
Annuity reduced for age.
50
20
Must be involuntarily sep-
arated; annuity reduced if
under age 60.
any
25
Must be involuntarily sep-
arated; annuity reduced if
under age 60.
any
5
Must be totally disabled.
The Civil Service Annuity Chart (see inside
of back cover) offers a quick method of com-
puting annuities up to $5,000 per annum.
Social Security
Employees are generally covered by the Civil
Service Retirement Act. Some may be covered
by Social Security. Social-security deductions
represent a tax of 21/4 percent on earnings.
The employer pays an equal amount. The
maximum taxable earnings are $4,200 a year
and minimum taxable earnings for a quarter
are $50.
Generally a maximum credit of 40 quarters
qualifies an individual for retirement benefits
at age 65. Women may retire at age 62 with
reduced benefits. A widow with children
under age 18 may be entitled to benefits if the
husband earned 6 creditable quarters out of
the 13 quarters preceding his death. Dis-
abled workers may qualify for benefits under
certain conditions.
Federal Employees' Group Life Insurance
FEGLI is term insurance sponsored by the
Federal Government that has no cash, loan,
paid-up or extended insurance values. Em-
ployees are automatically covered unless they
elect to waive the insurance. During employ-
ment, FEGLI provides life insurance, acci-
dental death and dismemberment benefits.
The amount of this insurance equals your
current annual salary if a multiple of $1,000
or the next higher $1,000. Your premium
payment is 25 cents for each $1,000 and is
8 Approved For Release 2001/03/02 : CIA-RDP78-04724A000100100008-6
 Approved For Release 2001/03/02 : CIA-RDP78-0&724A000100100008-6
automatically deducted from your pay check
for each biweekly pay period. The Govern-
ment contributes half as much as you.
Overseas Medical Benefit Programs
Staff personnel on PCS assignments outside
the United States, its Territories and posses-
sions may be reimbursed for hospital and re-
lated medical expenses. If you are overseas
on temporary duty you are excluded. The
program covers only those injuries which re-
quire or normally would require hospitaliza-
tion and which are not the result of vicious
habits, intemperance, or misconduct. Ex-
penses for maternity, elective and cosmetic
surgery, and ordinary dental care are ex-
cluded.
Eligible overseas employees may also be re-
imbursed for expenses incurred by dependents
under the same circumstances as related
above, for injuries or illnesses, incurred while
the dependent is located abroad, which re-
quire hospitalization. Dependents are cov-
ered for the cost of treatment which exceeds
$35 up to a maximum of 120 days of treatment.
This maximum limitation may be waived
when the dependent's condition clearly was
caused by being located abroad.
AGENCY BENEFITS
GEHA Plans
Special Income Replacement Plan
This plan provides for the payment of up
to $100 a week for periods of disability. Pay-
ment begins with the 31st day of such dis-
ability and may continue for as long as 10
years if the cause is illness, and for life if the
disability is the result of accident. This ben-
efit is paid in addition to other benefits you
may have.
Hospitalization and Surgical Benefits Plan
This plan provides for the cost of a private
room, up to $13.50 a day for 90 days in any
hospital. This plan also allows for payment
up to $202.50 plus 75 percent of the covered
hospital extras up to $5,000 of benefits.
WAEPA and UBLIC Life Insurance Plans
These are two term insurance plans which
include payment of accidental death benefits
under certain circumstances.
Specified (Dread) Diseases Policy
This policy covers polio, leukemia, scarlet
fever, diphtheria, smallpox, spinal or cerebral
meningitis, encephalitis, tetanus, and rabies.
Travel Plans
"Travel-matic," "Air Flight Trip Insurance,"
and "Flite-Plan" are available to travelers.
NOTE : For details on the above insurance
plans, consult GEHA's booklet entitled, "Your
Health and Life Insurance Program."
Mortgage Insurance
GEHA's term insurance may also fulfill an-
other of your needs - payment of your mort-
gage.
GEHA's UBLIC and WAEPA policies are
ideal for taking care of that mortgage redemp-
tion problem facing your family. How can
this be done? Take two examples: You
purchase a home with a trust of $20,000 to
$28,000. Purchase a WAEPA policy in the
amount of $15,000 and a UBLIC for the same
amount and your mortgage is taken care of,
should you die before your debt is liquidated.
As you reduce the size of your debt, you can
elect to reduce your insurance or retain the
full amount and provide, in addition to pay-
ment of the debt, additional income for your
family. The cost of the protection afforded
in this example is surprisingly low:
WAEPA - Under
41 years of age - $8.33 monthly
UBLIC -Any age - 9.15 monthly
Total $17.48 monthly
Assume that your debt from purchasing a
home is $10,000 to $15,000. UBLIC pro-
vides policies in the amount of $9,000 ($5.49
monthly cost), $12,000 ($7.32 monthly cost),
or $15,000 ($9.15 monthly cost).
Approved For Release 2001/03/02 : CIA-RDP78-04724A000100100008-6
 Approved For Release 2001/03/02 : CIA-RDP78-047;4A000100100008-6
One difference between using GEHA's term
insurance for mortgage protection and the
type purchased from outside companies is
that these companies provide a term contract
which reduces each year during the mortgage
period and eventually becomes a small paid-up
policy. The cost of this outside insurance is
higher than GEHA's term insurance. For ex-
ample, an available contract covering a $10,-
000 mortgage, with a paid-up policy at the
end of a 20-year mortgage period, costs $128
annually. The same $10,000 mortgage would
be covered by UBLIC at a cost of $73.20 an-
nually.
Of course, if you need this mortgage pro-
tection in addition to the full-term protection
provided by WAEPA and UBLIC, you will have
to consult your private insurance agent.
Savings
Two easy and painless ways to save are
available to our employees. One is by regular
and periodic deposits to our Credit Union; if
you are overseas, a direct payroll deduction
can be authorized for this purpose. The Cred-
it Union pays dividends or interest based on
its earnings for each year. Last year a divi-
dend of 41/2 percent was paid.
Another way is by authorizing your bank
to regularly deduct from your checking ac-
count an amount for the purchase of Savings
Bonds. This can be accomplished by a simple
letter to your bank.
Regular savings are encouraged as a way
to meet future needs, such as the purchase
of a home and education of children, and to
provide for unforeseen emergencies against
which you are not already protected.
Do I NEED A WILL?
This question should be asked by each em-
ployee. The answer will depend on the spe-
cific circumstances of each case. Keep one
thing in mind, however; the size of your
estate may not necessarily be the controlling
factor in your decision. Wills are not in-
tended for only those men with large estates.
A man with a small or medium-sized estate
may also require a will. On the other hand,
your estate may be of such a nature that full
settlement of your affairs can be accomplished
without a will. For example, an employee
can designate beneficiaries to receive pay-
ments of FEGLI, lump-sum retirement, un-
paid compensation, and GEHA life insurance.
At the same time, he can hold his Credit
Union account, bank accounts, savings bonds,
and securities jointly with his wife or other
intended beneficiary. (NOTE : It is wise to
seek legal advice on joint ownership since
there are many legal technicalities involved
which might have a bearing on which assets
should be of a joint ownership nature.) Upon
the employee's death, these various benefits
will pass to the designated beneficiary or joint
owner without any probate proceedings.
The employee may desire to distribute his
estate in a manner which is more flexible and
which would anticipate certain difficulties,
e.g., guardianship problems, or simultaneous
death of a family group in a common disaster.
In such cases, the estate owner should have a
will.
BURIAL IN NATIONAL CEMETERIES
Burial in a national cemetery to most peo-
ple means burial at Arlington. There are,
however, national cemeteries in almost every
State as well as in the Territories. You might
be interested in knowing the requirements
for burial at these locations.
Any member of the Armed Forces dying in
active service or former member whose last
active service terminated honorably is eligible
for burial in a national cemetery in which
grave space is available. If the spouse of an
eligible service member should die first, he or
she may be buried in a national cemetery
provided the service member submits a state-
ment that, upon his or her death, he or she
will be buried in the same or adjoining grave.
Upon the submission of a similar certifica-
tion, minor children of the service member
may also be buried in a national cemetery,
but only in the same grave in which either
parent has been or will be interred.
10
Approved For Release 2001/03/02 : CIA-RDP78-04724A000100100008-6
 Approved For Release 2001/03/02 : CIA-RDP78-047,2 A000100100008-6
There is no charge for the gravesite in a interment, the grave is marked with a Govern-
national cemetery or for the opening or clos- ment headstone, furnished and erected at
ing of the grave. As soon as possible after Government expense.
SOME TYPICAL MONTHLY SURVIVOR BENEFITS FOR A WIDOW
AND TWO MINOR CHILDREN
INCOME
FECA 1
RETIREMENT 8
Years of Service
10 year
15 year
20 year
25 year
$4,000
$233.00
$128
$145
$161
$178
5,000
291.66
134
155
176
196
6,000
350.00
141
166
191
216
7,000
408.33
147
177
206
235
8,000
466.66
154
188
221
254
9,000
525.008
161
198
236
273
10,000
525.003
168
209
251
293
11,000
525.003
174
220
266
312
12,000
525.003
181
231
281
331
1 If death was incurred in performance of duty.
2 If income listed is employee's high 5-year average.
3 Maximum death benefit provided by FECA.
N. B. - If widow and/or children are entitled to FECA and retire-
ment death benefits, they must elect which benefit to receive. If
FECA benefits are elected, payment of lump-sum retirement with-
holdings is made to beneficiary.
Approved For Release 2001/03/02 : CIA-RDP78-04724A000100100008-6 11
 Approved For Release 2001/03/02 : CIA-RDP78-047244000100100008-6
WHAT THE BENEFITS AND CASUALTY
DIVISION CAN DO FOR YOU
The programs previously described are ad-
ministered by the Benefits and Casualty Divi-
sion, Office of Personnel. In its conduct of
these programs, BCD makes every effort to
process insurance, medical, and retirement
claims expeditiously. In FECA claims, which
require extensive documentation and accumu-
lation of evidence, BCD assists in the gather-
ing of information and assures the presenta-
tion to the Bureau of Employees' Compensa-
tion of a complete and forceful claim.
Wherever applicable as in the case of FECA,
retirement, and insurance claims, consider-
able liaison is maintained with the Federal
agencies and companies concerned.
CASUALTY PROGRAM
BCD's Casualty Affairs Branch (CAB) also
administers a Casualty Program, the extent
of which may not be generally known
throughout the Agency. Knowing that
such a program exists may ease the concern
of employees about survivor entitlements and
the manner in which their official affairs
would be settled.
Upon notification of a death, whether in
the United States or overseas, CAB assumes
control of the case. Working closely with
other components, CAB will arrange for prop-
er notification to survivors and will render
them as much assistance as possible. If
death occurs overseas, CAB will direct the re-
turn of the body to the place of interment and
will also attend to the other obvious details
present, e.g., return of family members in the
area, shipment of personal and household ef-
fects, etc. At the same time, CAB conducts
in all death cases an immediate review of all
benefits to which survivors may be entitled,
e.g., unpaid compensation, insurance, credit
union, and death benefits of the retirement
system, FECA, social security, etc.
As soon as proper under the circumstances
and if possible by personal visit, CAB repre-
sentatives get in touch with survivors. These
representatives will advise the survivors of all
benefits available and will obtain signatures
to required forms, which will have been com-
pleted in advance of the visit from informa-
tion contained in the deceased's Official Per-
sonnel Folder. Every attempt is made to mini-
mize the effort of the bereaved survivors. The
various forms are then processed and expedi-
tiously settled. By the immediate review of
benefits and personal contact with survivors,
the survivors (particularly widows and chil-
dren) are spared the worry about the future
financing of their daily needs - if benefits are
available - and the ordeal of inquiring about
and searching for the means to obtain these
benefits.
An understanding of the scope of this serv-
ice should be comforting to the employee,
since he can be certain that his widow, chil-
dren, and other survivors will be assisted
and guided through the emotional period fol-
lowing death. Often, however, this service is
complicated by certain difficulties which only
the employee can avoid. You should correct
these problems now if they apply to you. For
example, one of the most important and im-
mediate considerations facing CAB is notifi-
cation of death to the emergency addressee
selected by the employee. Sometimes these
designations are useless, since they are of such
a nature as to make contact with the ad-
dressee impossible, or at least very difficult.
Therefore, the following points should be kept
in mind with respect to emergency ad-
dressees:
1. Select someone capable of receiving im-
mediate notification and making decisions on
your behalf, despite the emotional shock pres-
ent. Selection of an aged or ill parent often
defeats the purpose, since the severe emotion-
al shock accompanying the notification could
create a new physical or mental crisis. If
faced with this problem, CAB will avoid direct
notification to the aged or ill parent and will
search for someone (such as brother or sister,
family doctor, or family church head) who can
act as intermediary and soften the initial an-
nouncement to the parent. Keep this in
mind, and select someone who can absorb the
emotional impact of the notification and at
the same time act on your behalf.
12 Approved For Release 2001/03/02 : CIA-RDP78-04724A000100100008-6
 Approved For Rele,, a 2001/03/02 : CIA-RDP78-0473 A000100100008-6
2. Be sure that your designation of an emer-
gency addressee is always current and that
any change of status is immediately reported
directly to CAB. Current designations and
addressees are vital to a proper handling of
the case.
While the casualty program has been de-
scribed in connection with deaths of em-
ployees, the services of the Casualty Affairs
Branch apply as well to cases of serious in-
jury or illness of employees and also to deaths,
serious injuries, or illnesses of dependents,
accompanying the employee to overseas as-
signments.
IMPORTANT DOCUMENTS YOU SHOULD HAVE
Here is a brief list of the important docu-
ments you should consolidate for use as evi-
dence of your survivor's entitlement to bene-
fits :
Your birth certificate, and one for each
member of your immediate family.
Naturalization papers (if not born in the
United States).
Marriage certificates (including former
marriages of you or your wife).
Divorce decrees of both you and your wife.
Court orders pertaining to support and cus-
tody of your legal dependents (including
your or your wife's children by a former
marriage, or adopted children).
Death certificates of children, former wife,
or former husband of your wife.
Deeds and mortgage documents.
Insurance policies.
Bank accounts, Savings Bonds, securities.
Wills.
Power of attorney.
Proof of military service.
KEEPING YOUR PAPERS SAFE
You should make every effort to retain the
original of these documents. It is advisable to
have an adequate number of photostatic
copies certified by the custodian of such
records. The documents are obtained from
various sources. Your County Clerk or a sim-
ilar official can provide certificates of mar-
riage, deeds, mortgages, or court orders.
Adoption, birth, and death certificates can be
obtained from the Vital Statistics and Welfare
Department of the State concerned. All your
important documents should be stowed away
in a safe place. A safe-deposit box, with the
right of entry given to a dependent or other
trusted individual, is one of the safest places
to keep important papers.
The introduction to this pamphlet an-
nounced a new service to personnel concern-
ing the maintenance of a personal file. Do
not confuse this with your Official Personnel
Folder. This proposed file is one in which
can be stored copies of your vital documents
of a record nature. The originals of such
documents should be maintained in another
safe place.
Any employee desiring this new service
should contact our Casualty Affairs Branch.
If interested employees are overseas or other-
wise located away from headquarters, their
desire can be transmitted by memorandum.
Personal files containing these vital docu-
ments will be maintained separately from an
employee's Official Personnel Folder, and on
a highly confidential basis, protecting the em-
ployee's privacy. Such files will become a
matter of official action only upon specific re-
quest by the employee or, upon his death, as
part of the settlement of his affairs.
Approved For Release 2001/03/02 : CIA-RDP78-04724A000100100008-6 13
 ~III e' 6~1/ A2 LIARII 7 -iUn5T
Approved For leas P 8- A000100100008-6
1111111111111101 R APPLICABLETO EMPLOYEES SEPARATED AFTERS TEMBER 30, 1956
LENGTH of SERVICE
YEARS
10--i
I
12
13
14
15
18
I7
16
201
33--~
a
35-
371
38
HOW TO USE THIS CHART
STEP I FIGURE THE YEARS AND MONTHS OF SERVICE YOU WILL HAVE AT THE TIME
YOU EXPECT TO RETIRE. PLACE A MARK AT THE APPROPRIATE PLACE
ON THE "LENGTH OF SERVICE" SCALE.
STEP 2 DETERMINE YOUR "HIGH-FIVE" AVERAGE SALARY. PLACE A MARK AT THE
APPROPRIATE PLACE ON THE"AVERAGE SALARY"SCALE.
ST#P3 DRAW A STRAIGHT LINE FROM THE PLACE MARKED ON THE "LENGTH
OF SERVICE" SCALE THROUGH THE PLACE MARKED ON THE "AVERAGE
SALARY" SCALE AND EXTEND THE STRAIGHT LINE TO THE "ANNUITY" SCALE.
THE READING AT THE INTERSECTION ON THE "ANNUITY" SCALE WILL BE
THE APPROXIMATE AMOUNT OF YOUR BASIC YEARLY ANNUITY.
FOR EXAMPLE: TO DETERMINE THE BASIC YEARLY ANNUITY OF AN EMPLOYEE WITH
23 YEARS AND 6 MONTHS SERVICE AND A "HIGH-FIVE" AVERAGE SALARY OF $4,400,
DRAW A LINE CONNECTING 23 YEARS, 6 MONTHS ON THE "LENGTH OF SERVICE"
SCALE AND $ 4,400 ON THE "AVERAGE SALARY" SCALE AND EXTEND THE LINE TO
THE "ANNUITY" SCALE. THE READING ON THE "ANNUITY" SCALE IS THE
APPROXIMATE BASIC YEARLY ANNUITY. IN THE EXAMPLE, THE BASIC ANNUITY IS $1918.
NOTE. A, LENGTH OF SERVICE CANNOT INCLUDE ANY SERVICE FOR WHICH A REFUND
REDEPO4IT IS MADE RFFORE
ANNUITY IS ELECTED AT RETIREMENT.
UNITED STATES CIVIL SERVICE COMMISSION
78-04724A000100100008-6
RET 46-214 b OCTOBER 1956
ANNUITY
DOLLARS
5,000
4,900
4,800
4,700
4,600
4,500
4,300
4,200,
4,100
4,000
3,900
3,800
3,700
3,600
3,500
3,400
3,300
3,200
3,100
3,000
2,900
2,800
2,700
2,600
-2,500
2,400
2,36o
2,200
2,100
1,900
1,800
1,700
1,600
1,500
1,40
1,300
I,200e
1,100
1,000
900
 Approved For R@tease 2001/03/02 : CIA-RDP78-04724A000100100008-6
PLEASE CALL ^ WAITING TO SEE YOU
WILL CALL AGAIN ^ WISHES AN APPOINTMENT
RETURNING YOUR CALL
Approved For tease 2001/03/02 ClA#3P78-04724A000100100008-6
 Approved For Release 2O 1%~A 2 ' A-RDp7a4 724A000100100008-6
D
Approved For Release 2001/03/02 : CIA-RDP78-04724A000100100008-6