FINANCIAL BENEFITS FOR AGENCY EMPLOYEES

• Document Type: CREST
• Collection: General CIA Records
• Document Number (FOIA) /ESDN (CREST): CIA-RDP78-04724A000100100017-6
• Release Decision: RIPPUB
• Original Classification: S
• Document Page Count: 20
• Document Creation Date: December 9, 2016
• Document Release Date: May 12, 1999
• Sequence Number: 17
• Content Type: MF

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8.-E-C-R-B-T
1RN
Ltd for A no t
stin 9x 1h - Ate. 1958,
of Payee Benefits$
peecial issue
2. Numerous request bi ve been receipt to p sh t infer-
, fort which you t permit do zes to take it and
t their families . The attached ~hie+t has been
to ~t } this need.
milit beftre A+aki g ti
building or before sbowing the
This t is for the
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imaediate t 'LT.
5 . This psaeip alet ab&U not be sent or U en out of
staates.
FOR DIR " OR {'k ` C1 AL V I:,LI CE
i... K. WRITE
Deputy Direector
(Stport
DIMBUTION t ALL EMMMM
S-E-C-R-E-T
NOFORN
This document is part of an integrated
file. If separated from the file it must be
subjected to individual systematic review.
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 Appro
25X1A
25X1A
Appro
-'ECRET
UNGx,?x+SIFIED CONFIDENTIAL IWO
00
CENTRAL INTELLIGENCE AGENCY
OFFICIAL ROUTING SLIP
TO
NAME AND ADDRESS
INITIALS
DATE
1
2
3
4
5
6
ACTION
DIRECT REPLY
PREPARE REPLY
APPROVAL
DISPATCH
RECOMMENDATION
COMMENT
FILE
RETURN
CONCURRENCE
INFORMATION
SIGNATURE
Remarks :
Attached we the original and we or the
declassified SB.
The original is prepared for authentication
by DD/S and the. copy is noted to indicate the
additions since Mr. concurred., should
you wish to point these out to him.
This document is part of an Integrated
file. If separated from the file it must be
sui:lGcted to individual systematic review.
FOLD HERE TO RETURN TO SENDER
FROM: NAME, ADDRESS AND PHONE NO.
DATE
7121,
100017-6
100017-6
25X1A
 Approved For Release 2001/03L,2 : CIA-RDP78-04724A000100100017-6
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HNANCIAL 13
FOR
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Published in the interes
This pb at is for the use of i
their Imedtate flies (YNLT *
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TABLE OF CONTENTS
Page
Introduction . . . . . . . . . . . . . . . . . . . . 1
Chart 1- Your Financial Requirements . . . . . . . . . . 2
Chart 2 - Anticipated Financial Needs . . . . . . . . . . 3
Practical Illustrations . . . . . . . . . . . . . . . . . 4
Useful Information . . . . . . . . . . . . . . . . . . 8
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
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PRACTICAL ILLUSTRATIONS OF
FINANCIAL PLANNING
Set forth below are an actual estate and
planning program of an A_ gene em-
ployee earning slightly more thar12,000
annually and suggested programs for in-
comes off7,500 and$5,500A 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 out-
side sources.
PROGRAM I-ANNUAL INCOME SLIGHTLY
MORE THA112,000
YEARLY
COSTS
FEGLI Insurance'
i 84.50
GEHA Insurance
UBLIC
109.80
WAEPA
125.00
Income Replacement 120.80
Hospitalization
88.80
Nine Dread Diseases
10.00
Credit Union Savings
600.00
#5o per
month
Civil Service
Retirement
Total
41,918.90
FACE
1VALUE
13,000.00
15,000.00
15,000.00
* Many employees use the Savings Bon
payroll deduction plan for this purpose.
BENEFITS
.'MPLOYEE 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
MPLOYEE KILLED ACCIDENTALLY NOT IN PER-
'ORMANCE OF DUTY
Widow Receives:
FEGLI
J 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-
NCE OF DUTY
Widow Receives: -4
FEGLI #26,000.00
UBLIC 30,000.00
WAEPA 40,000.00
Credit Union 4,200.00 plus dividends
Civil Service Refund of deductions
Retirement plus interest
FECA 525.00 per month tax
free
EMPLOYEE OR DEPENDENTS HOSPITALIZED IN
UNITED STATES - NOT JOB CONNECTED
LLG
nrn9tali~a.tinn Insurance paysl3. a
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
p to 90 days an.df202, 3a
r hospital extras plus
t5,000.: Also
!surgeons' fees per contract schedule.
If employee is ill more than 30 days :he re-
ceives, beginning with the 31st dayi100
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
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up t10,000 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 Retirem nt Annuity with
survivor benefits would be?6,255 an-
nually;
e. Present hospitalization policy can be
maintained directly with underwriter at 25
percent increase in premium.
PROGRAM II-ANNUAL INCOME 047,500
YEARLY
COSTS FACE
Ca YLIL V L'
FEGLI Insurance 5.00 8,000.00
GEHA Insurance
UBLIC 65.88 9,000.00
Income Replacement 90.60
Hospitalizatign 88.80
Nine Dread Diseases 10.00
Credit Union Savings 300.00
+ 25 per
month *
Civil Service 487.50
Retirement
Total 41,094.78
EMPLOYEE DIES NATURAL DEATH
Widow Receives
FEGLI 8,000.00
UBLIC 9,000.00
Credit Union 2,100.00 plus dividends
Civil Service An- ApproximatelyP2,184
nuity to Widow annual annuity
and 2 children
EMPLOYEE KILLED ACCIDENTALLY NOT IN PER-
FORMANCE OF DUTY
Widow Receives:
FEGLI 16,000.00
UBLIC 18,000.00
Credit Union 2,100.00 plus dividends
Civil Service An- 2,184.00 annual annuity
nuity to Widow
and 2 children
EMPLOYEE KILLED ACCIDENTALLY IN PERFORM-
ANCE OF DUTY
Widow Receives:
FEGLI 16,000.00
UBLIC
Credit Union
Civil Service
Retirement
FECA
18,000.00
2,100.00 plus dividends
Refund of deductions
plus interest
437.50 per month tax
free
EMPLOYEE OR DEPENDENTS HOSPITALIZED IN
ILLEGIB
UNITED STATES - NOT JOB CONNECTED
* 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
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 tc310,000 i worth of coverage for each
incidence of each such disease in addition to
the above.
ceives, beginning with the 31st day75
surgeons' fees per contract schedule.
If employee is ill more than 30 ys he re-
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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-14,920 an-
nually;
e. Present hospitalization policy can be
maintained directly with underwriter at 25
percent increase in premium.
PROGRAM III-ANNUAL INCOME O A,500
YEARLY
COSTS
'FACE
VALUE
FEGLI Insurance
139.00
6,000.00
GEHA Insurance
UBLIC
43.92
6,000.00
Income Replacement
60.40
Hospitalization
88.80
Nine Dread Diseases
10.00
C edit Union Savings
120.00
410 per
month
Civil Service
357.50
Retirement
Total 1719.62
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:
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Employee Age - 30
Government Service - 6 years
Program in effect - 2 years
] MPLOYEE DIES NATURAL DEATH
Widow Receives:
FEGLI :36,000.00
UBLIC 6,000.00
Cr.dit Union 240.00 plus dividends
Civil Service An- 1,454.00 annual annuity
nuity to Widow
and 2 children
a1
N
tl;MPLOYEE KILLED ACCIDENTALLY IN PERFORM-
4NCE OF DUTY
Widow Receives :
FEGLI - 12,000.00
UBLIC 12,000.00
Credit Union 240.00 plus dividends
Civil Service An- 1,454.00 annual annuity
nuity to Widow
and 2 children
Widow Receives:
FEGLI 12,000.00
UBLIC 12,000.00
Credit Union 240.00 plus dividends
Civil Service An- Refund of deductions
nuity to Widow plus interest
and 2 children
FECA 320.83 per month tax
free
MPLOYEE OR DEPENDENTS HOSPITALIZED IN
NITED STATES - NOT JOB CONNECTED
urance pays#13.6.0
up to 90 days ando202,90
for ospital extras plus
percent o balance up t5,000,- , Also
urgeons' fees per contract schedule.
If employee is ill more than 30 ys he re-
ceives, beginning with the 31st day'50
per week for period of incapacity up to ten
ears if incapacity due to illness, and for life
if due to accident.
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Should you or your family be stricken by
one of the nine dread diseases you have up to
410,000 worth of coverage for each inci-
dence of each such disease in addition to the
above.
a. FEGLI Insurance continues without fur-
ther premium payments but is reduced, be-
ginning at age 65, to 25 percent of original
coverage;
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-
ILLEGIB
ASSETS
Average Bank Account
Savings Account
Savings Bonds
Stocks and Bonds
Other Savings
Equity in Home
Life Insurance
Health Insurance
Retirement Income
Education Fund
LIABILITIES
b. UBLIC Insurance can be converted with-
out physical examination but premiums are
standard rates;
c. Credit Union principal would be44,080
plus dividends;
d. Civil Service Retirem nt Annuity with
survivor benefits would be3,756 an-
nually;
e. Present hospitalization policy can be
maintained directly with underwriter at 25
percent increase in premium.
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.)
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USEFUL INFORMATION
In this section we have provided informa-
tion which may be useful in your review of
your personal and financial affairs.
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 :
Earliest
Age
Minimum
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.
Civil-service retirement will provide an, an-
uity for your widow and children if you
s ould 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
T a d years of service. In addition, each child
ill receive an annuity of 40 percent of the
e$nployee's "high-five" average salary divided
br the number of children. However, annuity
t any one child is limited ta'600 a year,
4 and the total to all children cannot exceed
`800 a year.
The Civil Service Annuity Chart (see inside
of back cover) offers a quick method of com-
puting annuities up t5,000 per an-
um.
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 a ount. The
maximum taxable earnings are,200 .
a year and minimum taxable earnings for a
q arter are50.
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
h, sband earned 6 creditable quarters out of
the 13 quarters preceding his death. Dis-
aled workers may qualify for benefits under
c rtain conditions.
Federal Employees' Group Life Insurance
FEGLI is term insurance sponsored by the
ederal Government that has no cash, loan,
plaid-up, or extended insurance values. Em-
Ooyees are automatically covered unless they
e~ect to waive the insurance. During employ-
nAent, FEGLI provides life insurance, acci-
dOntal death and dismemberment benefits.
The amount of this insurance equals your
c~.irrent annual salary if a multiple oft].,000
or the next higheJ1,000. Your
piren-lium payment is 25 cents for eachi].,000
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and is automatically deducted from
your pay check for each biweekly pay period.
The Government contributes half as much as
you.
Overseas Medical Benefit Programs
Staff personnel on PCS assignments outside
,the United States) its Territories and possessions
may be reimbursed for hospital and related
medical expenses. If you are overseas on
temporary duty you are excluded. The pro-
gram covers only those injuries which require
or normally would require hospitalization and
which are not the result of vicious habits,
intemperance, or misconduct. Expenses for
maternity, elective and cosmetic surgery, and
ordinary dental care are excluded.
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
135 ; up to a maximum of 120 days of
treatment. This maximum limitation may be
waived when the dependent's condition clear-
ly was caused by being located abroad.
Svc:
-46 95
BENEFITS
GEHA Plans
Special Income Replacement Plan
J this plan provides for the payment of up
00 a week for periods of disability.
Payment begins with the 31st day of such
disability 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
benefit 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 to413.410...; :--& day for
90 days in any hospital. This plan also al-
lows for payment up to4202,
plus 75 percent of the covered hospital
extras up to5,000 i 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 ofP20,000 to
428,000. Purchase a WA_ EPA 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 ad-
dition to payment of the debt, additional in-
come for your family. The cost of the pro-
tection afforded in this example is surprisingly
low:
WAEPA - Under
41 years of age -18.33 monthly
UBLIC - Any age - 19.15 monthly
Total 17.48 monthly
Assue that y9ur debt from purchasing a
home 010,000 t 15,000. UBLIC pro-
vides policies in the amount ofr9,000
i monthly cost);*12,000
C4 monthly cost),
4
or
15,000 r /,r
monthly cost).
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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 of3.,A,6 annually.
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
10
may also require a will. On the other hand,
our estate may be of such a nature that full
s ttlement of your affairs can be accomplished
Without a will. For example, an employee
can designate beneficiaries to receive pay-
ients of FEGLI, lump-sum retirement, un-
aid compensation, and GEHA life insurance.
.t the same time, he can hold his Credit
~nion account, bank accounts, savings bonds,
and securities jointly with his wife or other
i$rtended beneficiary. (NOTE: It is wise to
seek legal advice on joint ownership since
there are many legal technicalities involved
'hick might have a bearing on which assets
s ou.ld be of a joint ownership nature.) Upon
t e employee's death, these various benefits
ill 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.
UR
B
IAL IN NATIONAL CEMETERIES
urial in a national cemetery to most peo-
ple means burial at Arlington. There are,
however, national cemeteries in almost every
Tate as well as in the Territories. You might
1e interested in knowing the requirements
ff r 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
f~r burial in a national cemetery in which
grave space is available. If the spouse of an
ejligible service member should die first, he or
she may be buried in a national cemetery
provided the service member submits a state-
ent 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-
4on, 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.
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 Approved For Reba, a 2001/03/02 : CIA-RDP78-047 4000100100017-6 ,
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 $
Years of Service
44,000
7
233.00
100` year
1128
15 year
1145
20 year
>61
25 year
/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
525.00 8
161
198
236
273
10,000
525.003
168
209
251
293
11,000
525.008
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.
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 Approved For Ruse 2001/03/02 : ClA-RDP78-04A000100100017-6
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 com-
ponents, CAB will arrange for proper notifica-
tion to survivors and will render them as much
assistance as possible. If death occurs over-
seas, CAB will direct the return 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 effects, 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 com-
pensation, insurance, credit union, and death
benefits of the retirement system, FECA, so-
cial 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
o required forms, which will have been com-
leted in advance of the visit from informa-
ion contained in the deceased's Official Per-
onnel Folder. Every attempt is made to mini-
ize the effort of the bereaved survivors. The
arious forms are then processed and expedi-
iously settled. By the immediate review of
enefits and personal contact with survivors,
he survivors (particularly widows and chil-
ren) are spared the worry about the future
ancing of their daily needs - if benefits are
vailable - and the ordeal of inquiring about
nd searching for the means to obtain these
enefits.
An understanding of the scope of this serv-
e should be comforting to the employee,
ince he can be certain that his widow, chil-
ren, and other survivors will be assisted
nd guided through the emotional period fol-
bwing death. Often, however, this service is
4omplicated by certain difficulties which only
1the employee can avoid. You should correct
hese problems now if they apply to you.. For
xample, one of the most important and im-
iuediate 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
4 nature as to make contact with the ad-
4ressee 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-
ediate notification and making decisions on
sour. behalf, despite the emotional shock pres-
nt. Selection of an aged or ill parent often
defeats the purpose, since the severe emotion-
41 shock accompanying the notification could
4reate a new physical or mental crisis. If
aced with this problem, CAB will avoid direct
notification to the aged or ill parent and will
earth for someone (such as brother or sister,
am:ily doctor, or family church head) who can
4ct as intermediary and soften the initial an-
ouncement to the parent. Keep this in
mind, and select someone who can absorb the
motional impact of the notification and at
he same time act on your behalf.
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 Approved For ReI sa a 2001/03/02 : CIA-RDP78-047Z4A000100100017-6-
AGVA A
.j.$. 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.
EEPING YOUR PAPERS SAFE
You should make every effort to retain the
riginal 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 pamph3etannounced
a new service to personnel concerning the
maintenance of a personal file. Do not con-
fuse 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 docu-
ments 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.
13
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 r~I it FFRRS~// FF A NUITY CHART
Approved For `Releas~001~A7D2 : ~IA-RDP78-0~~77~~44QqQ~ 0p11pp10 7-6
APPLICABLETO ENOYEES SEPARATED AFTER SEgTEMgEF~ -3(J, f9b6
LENGTH of SERVICE
YEARS
10-3
IT A
181
19 111
20
21
22
23
24-1`-
25
26
27
28
29
30
354
384
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.
ST#P2 DETERMINE YOUR "HIGH-FIVE" AVERAGE SALARY. PLACE A MARK AT THE
APPROPRIATE PLACE ON THE 'AVERAGE SALARY"SCALE.
STEP3 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 $1916.
NOTE: A. LENGTH OF SERVICE CANNOT INCLUDE ANY SERVICE FOR WHICH A REFUND
HAS BEEN PAID. UNLESS THE REQUIRED REDEPOSIT IS MADE BEFORE
B BASIC ANNUITY CANNOT BE GREATER THAN 80% OF AVERAGE SALARY.
11 IF RETIREMENT IS UNDER THE DISABILITY PROVISION USE THIS CHART
Release CIA-RDP78-0472t4~AOpp00110
UNITED STATES CIVIL SERVICE COMMISSION RET 46-2hFb DcTDB~g56
ANNUITY
DOLLARS
5,000
4,900
4,800
4,700
4,600
4,500
4,400
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
21500
2,400
2,300
2,200
2,100
2,000
1,900
1,800
1,700
1,600
1,500
1,400
1,300
1,200
1,100
1,00 0